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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 | $74,121 | $77,638-4.5% | $156,551-52.7% | $62,881+17.9% |
| Participation rate | 42.2% | 71.2%-29.0pp | 84.0%-41.8pp | 69.3%-27.1pp |
| Annual return | 5.63% | 50.33%-44.7pp | 32.23%-26.6pp | 20.14%-14.5pp |
| Employer contribution / active EE | $0 | $3,444-100.0% | $5,501-100.0% | $2,281-100.0% |
| Participant deferral / active EE | $2,309 | $3,046-24.2% | $4,871-52.6% | $3,203-27.9% |
| Admin fee / account holder | $2,192 | $5,561-60.6% | $13,028-83.2% | $4,296-49.0% |