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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 | $63,119 | $160,040-60.6% | $147,096-57.1% | $145,877-56.7% |
| Participation rate | 40.0% | 84.0%-44.0pp | 82.2%-42.2pp | 80.3%-40.3pp |
| Annual return | 13.93% | 98.49%-84.6pp | 419.75%-405.8pp | 551.28%-537.4pp |
| Employer contribution / active EE | $1,360 | $5,289-74.3% | $4,936-72.5% | $4,663-70.8% |
| Participant deferral / active EE | $4,551 | $8,429-46.0% | $8,071-43.6% | $6,691-32.0% |
| Admin fee / account holder | $409 | $15,050-97.3% | $13,005-96.9% | $13,402-97.0% |