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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 | $87,799 | $93,346-5.9% | $71,796+22.3% | $273,972-68.0% |
| Participation rate | 68.2% | 76.5%-8.3pp | 69.1%-0.9pp | 83.0%-14.8pp |
| Annual return | 5.56% | 130.39%-124.8pp | 78.04%-72.5pp | 41.46%-35.9pp |
| Employer contribution / active EE | $0 | $2,733-100.0% | $1,924-100.0% | $4,869-100.0% |
| Participant deferral / active EE | $2,995 | $3,475-13.8% | $2,794+7.2% | $5,287-43.4% |
| Admin fee / account holder | $1,154 | $6,571-82.4% | $4,815-76.0% | $10,133-88.6% |