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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 | $103,394 | $165,399-37.5% | $149,745-31.0% | $158,982-35.0% |
| Participation rate | 36.8% | 84.6%-47.7pp | 82.5%-45.6pp | 82.0%-45.1pp |
| Annual return | 16.22% | 348.34%-332.1pp | 276.72%-260.5pp | 302.99%-286.8pp |
| Employer contribution / active EE | $0 | $5,105-100.0% | $4,646-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $2,737 | $7,183-61.9% | $6,843-60.0% | $5,983-54.2% |
| Admin fee / account holder | $878 | $10,811-91.9% | $9,312-90.6% | $11,252-92.2% |