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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 | $55,674 | $53,841+3.4% | $75,731-26.5% | $85,851-35.2% |
| Participation rate | 64.1% | 69.0%-5.0pp | 74.8%-10.8pp | 69.3%-5.3pp |
| Annual return | 24.58% | 24.54%0pp | 104.65%-80.1pp | 318.63%-294.1pp |
| Employer contribution / active EE | $0 | $2,017-100.0% | $2,743-100.0% | $2,565-100.0% |
| Participant deferral / active EE | $5,593 | $2,895+93.2% | $3,820+46.4% | $3,952+41.5% |
| Admin fee / account holder | $2,894 | $3,340-13.4% | $3,620-20.1% | $6,261-53.8% |