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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 | $52,087 | $127,779-59.2% | $106,551-51.1% | $167,518-68.9% |
| Participation rate | 55.0% | 78.3%-23.3pp | 76.1%-21.1pp | 82.1%-27.1pp |
| Annual return | 14.91% | 33.87%-19.0pp | 26.80%-11.9pp | 478.71%-463.8pp |
| Employer contribution / active EE | $0 | $3,427-100.0% | $2,819-100.0% | $4,838-100.0% |
| Participant deferral / active EE | $1,696 | $5,088-66.7% | $4,398-61.4% | $6,342-73.3% |
| Admin fee / account holder | $439 | $11,228-96.1% | $7,408-94.1% | $12,312-96.4% |