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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 | $92,674 | $175,257-47.1% | $149,717-38.1% | $139,456-33.5% |
| Participation rate | 61.1% | 83.4%-22.3pp | 78.8%-17.7pp | 80.3%-19.2pp |
| Annual return | 17.26% | 166.70%-149.4pp | 134.41%-117.1pp | 373.45%-356.2pp |
| Employer contribution / active EE | $0 | $5,477-100.0% | $4,820-100.0% | $4,753-100.0% |
| Participant deferral / active EE | $3,396 | $6,521-47.9% | $5,682-40.2% | $6,711-49.4% |
| Admin fee / account holder | $970 | $16,156-94.0% | $13,213-92.7% | $11,407-91.5% |