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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 | $18,759 | $46,599-59.7% | $64,101-70.7% | $75,173-75.0% |
| Participation rate | 58.5% | 65.9%-7.5pp | 72.3%-13.8pp | 67.2%-8.7pp |
| Annual return | 96.21% | 26.06%+70.2pp | 33.72%+62.5pp | 160.72%-64.5pp |
| Employer contribution / active EE | $0 | $1,975-100.0% | $2,749-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $6,191 | $2,837+118.2% | $3,881+59.5% | $4,126+50.0% |
| Admin fee / account holder | $880 | $2,956-70.2% | $3,070-71.4% | $5,651-84.4% |