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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 | $160,557 | $97,881+64.0% | $80,004+100.7% | $125,389+28.0% |
| Participation rate | 46.7% | 77.9%-31.2pp | 73.0%-26.3pp | 83.2%-36.5pp |
| Annual return | -0.59% | 9.36%-9.9pp | 7.63%-8.2pp | 282.24%-282.8pp |
| Employer contribution / active EE | $0 | $3,128-100.0% | $2,473-100.0% | $4,866-100.0% |
| Participant deferral / active EE | $2,357 | $3,744-37.1% | $3,204-26.4% | $5,352-56.0% |
| Admin fee / account holder | $1,020 | $6,278-83.8% | $5,033-79.7% | $9,541-89.3% |