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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 | $46,043 | $160,040-71.2% | $147,096-68.7% | $145,877-68.4% |
| Participation rate | 63.2% | 84.0%-20.9pp | 82.2%-19.0pp | 80.3%-17.1pp |
| Annual return | 11.14% | 98.49%-87.4pp | 419.75%-408.6pp | 551.28%-540.1pp |
| Employer contribution / active EE | $2,238 | $5,289-57.7% | $4,936-54.7% | $4,663-52.0% |
| Participant deferral / active EE | $3,279 | $8,429-61.1% | $8,071-59.4% | $6,691-51.0% |
| Admin fee / account holder | $10,425 | $15,050-30.7% | $13,005-19.8% | $13,402-22.2% |