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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 | $47,774 | $104,907-54.5% | $84,610-43.5% | $152,870-68.7% |
| Participation rate | 60.0% | 74.8%-14.8pp | 68.2%-8.2pp | 82.4%-22.4pp |
| Annual return | 15.95% | 373.79%-357.8pp | 258.74%-242.8pp | 345.34%-329.4pp |
| Employer contribution / active EE | $0 | $3,301-100.0% | $2,652-100.0% | $4,763-100.0% |
| Participant deferral / active EE | $6,492 | $4,688+38.5% | $3,899+66.5% | $5,850+11.0% |
| Admin fee / account holder | $4,256 | $6,241-31.8% | $4,912-13.4% | $11,597-63.3% |