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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 | $53,459 | $185,312-71.2% | $161,489-66.9% | $154,746-65.5% |
| Participation rate | 54.2% | 82.5%-28.3pp | 78.7%-24.5pp | 80.7%-26.5pp |
| Annual return | 13.96% | 103.84%-89.9pp | 89.72%-75.8pp | 172.34%-158.4pp |
| Employer contribution / active EE | $0 | $4,769-100.0% | $4,268-100.0% | $4,379-100.0% |
| Participant deferral / active EE | $2,618 | $6,350-58.8% | $5,630-53.5% | $6,730-61.1% |
| Admin fee / account holder | $1,172 | $18,654-93.7% | $16,006-92.7% | $14,365-91.8% |