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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 | $114,609 | $162,136-29.3% | $152,301-24.7% | $154,746-25.9% |
| Participation rate | 43.5% | 84.1%-40.6pp | 82.4%-39.0pp | 80.7%-37.2pp |
| Annual return | 14.14% | 91.02%-76.9pp | 80.50%-66.4pp | 172.34%-158.2pp |
| Employer contribution / active EE | $0 | $4,890-100.0% | $4,624-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $4,688 | $8,341-43.8% | $8,004-41.4% | $6,730-30.4% |
| Admin fee / account holder | $2,631 | $15,759-83.3% | $14,398-81.7% | $14,365-81.7% |