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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 | $71,433 | $108,942-34.4% | $100,415-28.9% | $145,897-51.0% |
| Participation rate | 47.8% | 83.0%-35.2pp | 81.5%-33.7pp | 80.3%-32.5pp |
| Annual return | 14.96% | 58.27%-43.3pp | 49.47%-34.5pp | 552.29%-537.3pp |
| Employer contribution / active EE | $0 | $4,422-100.0% | $3,943-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $5,904 | $8,461-30.2% | $8,091-27.0% | $6,689-11.7% |
| Admin fee / account holder | $715 | $9,702-92.6% | $7,906-91.0% | $13,390-94.7% |