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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 | $87,539 | $171,492-49.0% | $150,734-41.9% | $198,609-55.9% |
| Participation rate | 47.6% | 81.4%-33.8pp | 78.4%-30.8pp | 82.4%-34.8pp |
| Annual return | 16.80% | 804.70%-787.9pp | 600.81%-584.0pp | 202.70%-185.9pp |
| Employer contribution / active EE | $15,025 | $5,470+174.7% | $4,918+205.5% | $5,055+197.2% |
| Participant deferral / active EE | $3,466 | $6,259-44.6% | $5,610-38.2% | $6,977-50.3% |
| Admin fee / account holder | $3,257 | $17,628-81.5% | $14,905-78.1% | $19,030-82.9% |