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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 | $106,702 | $110,093-3.1% | $97,295+9.7% | $145,897-26.9% |
| Participation rate | 64.7% | 75.9%-11.2pp | 72.7%-8.0pp | 80.3%-15.6pp |
| Annual return | 15.26% | 244.76%-229.5pp | 75.62%-60.4pp | 552.29%-537.0pp |
| Employer contribution / active EE | $0 | $3,077-100.0% | $2,723-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $2,176 | $4,678-53.5% | $4,264-49.0% | $6,689-67.5% |
| Admin fee / account holder | $4,607 | $6,212-25.8% | $5,646-18.4% | $13,390-65.6% |