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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 | $125,620 | $98,766+27.2% | $149,730-16.1% | $79,852+57.3% |
| Participation rate | 53.7% | 75.8%-22.1pp | 82.5%-28.8pp | 69.6%-15.9pp |
| Annual return | 15.87% | 27.43%-11.6pp | 276.70%-260.8pp | 31.72%-15.8pp |
| Employer contribution / active EE | $0 | $3,217-100.0% | $4,645-100.0% | $2,471-100.0% |
| Participant deferral / active EE | $5,599 | $5,681-1.4% | $6,843-18.2% | $3,740+49.7% |
| Admin fee / account holder | $879 | $6,052-85.5% | $9,310-90.6% | $5,306-83.4% |