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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 | $77,958 | $150,197-48.1% | $120,368-35.2% | $145,959-46.6% |
| Participation rate | 50.0% | 78.8%-28.8pp | 71.9%-21.9pp | 80.3%-30.3pp |
| Annual return | 12.38% | 154.26%-141.9pp | 107.26%-94.9pp | 561.95%-549.6pp |
| Employer contribution / active EE | $2,313 | $4,350-46.8% | $3,465-33.2% | $4,661-50.4% |
| Participant deferral / active EE | $2,891 | $6,174-53.2% | $4,991-42.1% | $6,689-56.8% |
| Admin fee / account holder | $4,903 | $12,216-59.9% | $9,429-48.0% | $13,398-63.4% |