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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 | $137,328 | $209,428-34.4% | $178,498-23.1% | $158,950-13.6% |
| Participation rate | 50.0% | 86.4%-36.4pp | 81.9%-31.9pp | 82.0%-32.0pp |
| Annual return | 13.06% | 188.78%-175.7pp | 151.09%-138.0pp | 302.91%-289.8pp |
| Employer contribution / active EE | $1,409 | $5,707-75.3% | $5,011-71.9% | $4,762-70.4% |
| Participant deferral / active EE | $10,743 | $5,955+80.4% | $5,202+106.5% | $5,983+79.6% |
| Admin fee / account holder | $1,037 | $17,077-93.9% | $13,985-92.6% | $11,248-90.8% |