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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 | $52,240 | $88,754-41.1% | $81,820-36.2% | $145,877-64.2% |
| Participation rate | 27.8% | 75.1%-47.3pp | 72.4%-44.6pp | 80.3%-52.5pp |
| Annual return | 11.77% | 1031.77%-1020.0pp | 777.93%-766.2pp | 551.28%-539.5pp |
| Employer contribution / active EE | $5,098 | $3,085+65.2% | $2,915+74.9% | $4,663+9.3% |
| Participant deferral / active EE | $3,164 | $4,648-31.9% | $4,323-26.8% | $6,691-52.7% |
| Admin fee / account holder | $10,324 | $8,424+22.6% | $7,391+39.7% | $13,402-23.0% |