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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 | $114,119-20.7% | $107,187-15.5% | $138,895-34.8% |
| Participation rate | 30.0% | 78.1%-48.1pp | 75.0%-45.0pp | 79.9%-49.9pp |
| Annual return | 12.96% | 273.21%-260.2pp | 204.55%-191.6pp | 145.39%-132.4pp |
| Employer contribution / active EE | $0 | $4,059-100.0% | $3,782-100.0% | $4,194-100.0% |
| Participant deferral / active EE | $2,496 | $5,538-54.9% | $5,096-51.0% | $6,396-61.0% |
| Admin fee / account holder | $691 | $10,024-93.1% | $9,162-92.5% | $12,562-94.5% |