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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 | $90,083 | $171,492-47.5% | $150,734-40.2% | $198,609-54.6% |
| Participation rate | 30.0% | 81.4%-51.4pp | 78.4%-48.4pp | 82.4%-52.4pp |
| Annual return | 17.07% | 804.70%-787.6pp | 600.81%-583.7pp | 202.70%-185.6pp |
| Employer contribution / active EE | $2,030 | $5,470-62.9% | $4,918-58.7% | $5,055-59.9% |
| Participant deferral / active EE | $5,111 | $6,259-18.3% | $5,610-8.9% | $6,977-26.7% |
| Admin fee / account holder | $1,198 | $17,628-93.2% | $14,905-92.0% | $19,030-93.7% |