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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 | $18,238 | $148,582-87.7% | $135,942-86.6% | $139,456-86.9% |
| Participation rate | 45.5% | 83.9%-38.4pp | 81.9%-36.5pp | 80.3%-34.9pp |
| Annual return | 23.49% | 79.26%-55.8pp | 68.28%-44.8pp | 373.45%-350.0pp |
| Employer contribution / active EE | $0 | $5,245-100.0% | $4,858-100.0% | $4,753-100.0% |
| Participant deferral / active EE | $4,660 | $8,101-42.5% | $7,759-39.9% | $6,711-30.6% |
| Admin fee / account holder | $963 | $12,402-92.2% | $10,764-91.1% | $11,407-91.6% |