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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 | $50,517 | $85,766-41.1% | $136,297-62.9% | $70,131-28.0% |
| Participation rate | 54.7% | 74.2%-19.5pp | 81.9%-27.2pp | 69.5%-14.9pp |
| Annual return | 39.37% | 31.45%+7.9pp | 5156.16%-5116.8pp | 73.14%-33.8pp |
| Employer contribution / active EE | $0 | $2,966-100.0% | $4,696-100.0% | $2,342-100.0% |
| Participant deferral / active EE | $6,464 | $5,051+28.0% | $6,247+3.5% | $3,332+94.0% |
| Admin fee / account holder | $4,813 | $5,420-11.2% | $9,244-47.9% | $4,645+3.6% |