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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 | $129,737-30.6% | $119,126-24.4% | $154,746-41.8% |
| Participation rate | 30.0% | 78.9%-48.9pp | 75.8%-45.8pp | 80.7%-50.7pp |
| Annual return | 17.07% | 379.08%-362.0pp | 282.11%-265.0pp | 172.34%-155.3pp |
| Employer contribution / active EE | $2,030 | $4,375-53.6% | $4,034-49.7% | $4,379-53.6% |
| Participant deferral / active EE | $5,111 | $5,842-12.5% | $5,318-3.9% | $6,730-24.1% |
| Admin fee / account holder | $1,198 | $11,961-90.0% | $10,693-88.8% | $14,365-91.7% |