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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 | $113,626 | $102,595+10.8% | $94,057+20.8% | $154,746-26.6% |
| Participation rate | 55.6% | 76.0%-20.4pp | 73.3%-17.8pp | 80.7%-25.1pp |
| Annual return | 12.35% | 583.42%-571.1pp | 480.62%-468.3pp | 172.34%-160.0pp |
| Employer contribution / active EE | $0 | $3,147-100.0% | $2,933-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $1,924 | $5,118-62.4% | $4,709-59.1% | $6,730-71.4% |
| Admin fee / account holder | $1,787 | $7,736-76.9% | $7,244-75.3% | $14,365-87.6% |