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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 | $107,338 | $89,367+20.1% | $141,191-24.0% | $72,975+47.1% |
| Participation rate | 52.7% | 75.1%-22.4pp | 82.5%-29.7pp | 69.5%-16.8pp |
| Annual return | 24.89% | 111.87%-87.0pp | 71.41%-46.5pp | 81.01%-56.1pp |
| Employer contribution / active EE | $0 | $3,115-100.0% | $4,736-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $6,548 | $5,419+20.8% | $6,710-2.4% | $3,608+81.5% |
| Admin fee / account holder | $6,250 | $5,957+4.9% | $10,264-39.1% | $5,124+22.0% |