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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 | $53,417 | $105,145-49.2% | $94,664-43.6% | $139,466-61.7% |
| Participation rate | 45.5% | 82.4%-36.9pp | 80.8%-35.4pp | 80.3%-34.9pp |
| Annual return | 15.67% | 38.09%-22.4pp | 156.84%-141.2pp | 373.66%-358.0pp |
| Employer contribution / active EE | $0 | $4,107-100.0% | $3,673-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $6,239 | $7,599-17.9% | $7,417-15.9% | $6,712-7.1% |
| Admin fee / account holder | $6,836 | $8,972-23.8% | $7,222-5.3% | $11,409-40.1% |