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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $29,641 | $93,064-68.2% | $74,577-60.3% | $273,972-89.2% |
| Participation rate | 47.6% | 74.9%-27.3pp | 68.1%-20.5pp | 83.0%-35.4pp |
| Annual return | 94.23% | 26.18%+68.1pp | 20.47%+73.8pp | 41.46%+52.8pp |
| Employer contribution / active EE | $0 | $3,160-100.0% | $2,525-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $5,229 | $4,160+25.7% | $3,458+51.2% | $5,287-1.1% |
| Admin fee / account holder | $367 | $5,273-93.0% | $4,138-91.1% | $10,133-96.4% |