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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 | $120,076 | $77,908+54.1% | $149,696-19.8% | $75,173+59.7% |
| Participation rate | 33.3% | 65.6%-32.2pp | 78.8%-45.4pp | 67.2%-33.9pp |
| Annual return | 16.78% | 31.73%-15.0pp | 134.46%-117.7pp | 160.72%-143.9pp |
| Employer contribution / active EE | $0 | $3,138-100.0% | $4,821-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,522 | $3,411-55.4% | $5,682-73.2% | $4,126-63.1% |
| Admin fee / account holder | $13,036 | $5,950+119.1% | $13,212-1.3% | $5,651+130.7% |