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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 | $94,305 | $103,392-8.8% | $87,104+8.3% | $152,897-38.3% |
| Participation rate | 38.9% | 79.4%-40.5pp | 76.9%-38.0pp | 82.5%-43.6pp |
| Annual return | 55.37% | 28.10%+27.3pp | 28.19%+27.2pp | 345.43%-290.1pp |
| Employer contribution / active EE | $0 | $3,221-100.0% | $2,521-100.0% | $4,764-100.0% |
| Participant deferral / active EE | $1,671 | $4,778-65.0% | $4,048-58.7% | $5,851-71.4% |
| Admin fee / account holder | $346 | $12,194-97.2% | $7,491-95.4% | $11,599-97.0% |