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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 | $89,014 | $171,492-48.1% | $150,734-40.9% | $198,609-55.2% |
| Participation rate | 57.1% | 81.4%-24.3pp | 78.4%-21.3pp | 82.4%-25.2pp |
| Annual return | 21.81% | 804.70%-782.9pp | 600.81%-579.0pp | 202.70%-180.9pp |
| Employer contribution / active EE | $0 | $5,470-100.0% | $4,918-100.0% | $5,055-100.0% |
| Participant deferral / active EE | $3,074 | $6,259-50.9% | $5,610-45.2% | $6,977-55.9% |
| Admin fee / account holder | $3,146 | $17,628-82.2% | $14,905-78.9% | $19,030-83.5% |