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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 | $60,420 | $149,040-59.5% | $120,225-49.7% | $137,256-56.0% |
| Participation rate | 66.7% | 75.4%-8.8pp | 69.6%-2.9pp | 80.0%-13.3pp |
| Annual return | 20.06% | 605.68%-585.6pp | 439.23%-419.2pp | 220.34%-200.3pp |
| Employer contribution / active EE | $7,110 | $4,350+63.4% | $3,475+104.6% | $4,156+71.1% |
| Participant deferral / active EE | $3,439 | $4,655-26.1% | $3,999-14.0% | $6,407-46.3% |
| Admin fee / account holder | $2,584 | $6,348-59.3% | $5,696-54.6% | $12,270-78.9% |