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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 | $112,354 | $125,184-10.2% | $105,607+6.4% | $145,884-23.0% |
| Participation rate | 42.9% | 77.6%-34.8pp | 75.3%-32.4pp | 80.3%-37.4pp |
| Annual return | 13.62% | 225.00%-211.4pp | 116.11%-102.5pp | 551.85%-538.2pp |
| Employer contribution / active EE | $0 | $3,720-100.0% | $3,167-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $2,766 | $5,714-51.6% | $5,011-44.8% | $6,690-58.6% |
| Admin fee / account holder | $11,936 | $17,133-30.3% | $10,958+8.9% | $13,392-10.9% |