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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 | $140,640 | $89,364+57.4% | $141,177-0.4% | $72,983+92.7% |
| Participation rate | 65.4% | 75.1%-9.7pp | 82.5%-17.1pp | 69.5%-4.1pp |
| Annual return | 21.14% | 111.86%-90.7pp | 71.40%-50.3pp | 81.01%-59.9pp |
| Employer contribution / active EE | $0 | $3,115-100.0% | $4,736-100.0% | $2,440-100.0% |
| Participant deferral / active EE | $5,173 | $5,419-4.5% | $6,710-22.9% | $3,608+43.4% |
| Admin fee / account holder | $18,591 | $5,959+212.0% | $10,263+81.1% | $5,124+262.8% |