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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 | $70,591 | $109,411-35.5% | $89,435-21.1% | $158,982-55.6% |
| Participation rate | 66.7% | 74.3%-7.6pp | 68.0%-1.3pp | 82.0%-15.3pp |
| Annual return | 15.00% | 345.68%-330.7pp | 245.55%-230.5pp | 302.99%-288.0pp |
| Employer contribution / active EE | $0 | $3,173-100.0% | $2,587-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $864 | $4,600-81.2% | $3,890-77.8% | $5,983-85.6% |
| Admin fee / account holder | $4,269 | $6,159-30.7% | $4,884-12.6% | $11,252-62.1% |