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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 | $90,525 | $134,817-32.9% | $123,973-27.0% | $155,188-41.7% |
| Participation rate | 30.0% | 79.4%-49.4pp | 76.7%-46.7pp | 80.8%-50.8pp |
| Annual return | 12.96% | 515.49%-502.5pp | 388.13%-375.2pp | 148.84%-135.9pp |
| Employer contribution / active EE | $0 | $4,425-100.0% | $4,126-100.0% | $4,248-100.0% |
| Participant deferral / active EE | $2,496 | $5,706-56.3% | $5,247-52.4% | $6,531-61.8% |
| Admin fee / account holder | $691 | $13,245-94.8% | $11,799-94.1% | $14,480-95.2% |