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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 | $118,697 | $217,432-45.4% | $185,849-36.1% | $167,536-29.2% |
| Participation rate | 65.0% | 86.1%-21.1pp | 81.7%-16.7pp | 82.1%-17.1pp |
| Annual return | 12.71% | 148.42%-135.7pp | 122.10%-109.4pp | 478.82%-466.1pp |
| Employer contribution / active EE | $1,360 | $5,875-76.8% | $5,169-73.7% | $4,839-71.9% |
| Participant deferral / active EE | $3,243 | $6,357-49.0% | $5,569-41.8% | $6,342-48.9% |
| Admin fee / account holder | $6,776 | $19,818-65.8% | $16,244-58.3% | $12,315-45.0% |