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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 | $63,088 | $176,105-64.2% | $159,474-60.4% | $167,536-62.3% |
| Participation rate | 59.1% | 85.0%-25.9pp | 82.8%-23.7pp | 82.1%-23.0pp |
| Annual return | 15.36% | 331.91%-316.6pp | 263.68%-248.3pp | 478.82%-463.5pp |
| Employer contribution / active EE | $2,099 | $5,299-60.4% | $4,831-56.5% | $4,839-56.6% |
| Participant deferral / active EE | $4,559 | $7,751-41.2% | $7,353-38.0% | $6,342-28.1% |
| Admin fee / account holder | $2,527 | $12,559-79.9% | $10,802-76.6% | $12,315-79.5% |