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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 | $93,718 | $209,422-55.2% | $178,503-47.5% | $158,982-41.1% |
| Participation rate | 53.3% | 86.4%-33.0pp | 81.9%-28.6pp | 82.0%-28.6pp |
| Annual return | 9.06% | 188.81%-179.7pp | 151.12%-142.1pp | 302.99%-293.9pp |
| Employer contribution / active EE | $2,988 | $5,707-47.6% | $5,011-40.4% | $4,763-37.3% |
| Participant deferral / active EE | $6,011 | $5,955+0.9% | $5,202+15.5% | $5,983+0.5% |
| Admin fee / account holder | $2,806 | $17,079-83.6% | $13,987-79.9% | $11,252-75.1% |