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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 | $75,319 | $85,766-12.2% | $136,298-44.7% | $70,126+7.4% |
| Participation rate | 55.8% | 74.2%-18.3pp | 81.9%-26.1pp | 69.5%-13.7pp |
| Annual return | 17.04% | 31.46%-14.4pp | 5156.27%-5139.2pp | 73.15%-56.1pp |
| Employer contribution / active EE | $0 | $2,966-100.0% | $4,696-100.0% | $2,343-100.0% |
| Participant deferral / active EE | $2,651 | $5,051-47.5% | $6,247-57.6% | $3,332-20.4% |
| Admin fee / account holder | $1,774 | $5,421-67.3% | $9,244-80.8% | $4,645-61.8% |