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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 | $109,050 | $155,840-30.0% | $124,694-12.5% | $167,553-34.9% |
| Participation rate | 69.6% | 81.1%-11.5pp | 74.6%-5.1pp | 82.1%-12.5pp |
| Annual return | 16.66% | 17.98%-1.3pp | 5144.82%-5128.2pp | 478.89%-462.2pp |
| Employer contribution / active EE | $2,482 | $4,165-40.4% | $3,325-25.3% | $4,840-48.7% |
| Participant deferral / active EE | $5,273 | $5,675-7.1% | $4,615+14.3% | $6,343-16.9% |
| Admin fee / account holder | $2,430 | $9,536-74.5% | $7,495-67.6% | $12,316-80.3% |