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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 | $46,367 | $132,634-65.0% | $115,768-59.9% | $137,256-66.2% |
| Participation rate | 62.5% | 77.9%-15.4pp | 74.4%-11.9pp | 80.0%-17.5pp |
| Annual return | 11.72% | 160.70%-149.0pp | 100.46%-88.7pp | 220.34%-208.6pp |
| Employer contribution / active EE | $0 | $3,360-100.0% | $2,940-100.0% | $4,156-100.0% |
| Participant deferral / active EE | $2,178 | $5,619-61.2% | $4,917-55.7% | $6,407-66.0% |
| Admin fee / account holder | $396 | $15,028-97.4% | $12,439-96.8% | $12,270-96.8% |