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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 | $61,009 | $90,530-32.6% | $76,030-19.8% | $145,897-58.2% |
| Participation rate | 41.7% | 74.4%-32.8pp | 69.1%-27.4pp | 80.3%-38.6pp |
| Annual return | 14.59% | 625.08%-610.5pp | 361.54%-347.0pp | 552.29%-537.7pp |
| Employer contribution / active EE | $0 | $3,319-100.0% | $2,688-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $1,649 | $5,164-68.1% | $4,257-61.3% | $6,689-75.3% |
| Admin fee / account holder | $1,219 | $8,383-85.5% | $6,421-81.0% | $13,390-90.9% |