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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 | $89,111 | $185,883-52.1% | $170,043-47.6% | $139,466-36.1% |
| Participation rate | 50.0% | 87.8%-37.8pp | 87.0%-37.0pp | 80.3%-30.3pp |
| Annual return | 11.88% | 60.54%-48.7pp | 53.40%-41.5pp | 373.66%-361.8pp |
| Employer contribution / active EE | $0 | $7,596-100.0% | $6,790-100.0% | $4,754-100.0% |
| Participant deferral / active EE | $9,030 | $11,626-22.3% | $10,410-13.3% | $6,712+34.5% |
| Admin fee / account holder | $2,916 | $15,393-81.1% | $12,824-77.3% | $11,409-74.4% |