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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 | $106,829 | $176,077-39.3% | $159,455-33.0% | $167,518-36.2% |
| Participation rate | 54.2% | 84.9%-30.8pp | 82.8%-28.7pp | 82.1%-27.9pp |
| Annual return | 14.64% | 331.83%-317.2pp | 263.63%-249.0pp | 478.71%-464.1pp |
| Employer contribution / active EE | $0 | $5,298-100.0% | $4,830-100.0% | $4,838-100.0% |
| Participant deferral / active EE | $5,181 | $7,751-33.2% | $7,353-29.5% | $6,342-18.3% |
| Admin fee / account holder | $907 | $12,556-92.8% | $10,800-91.6% | $12,312-92.6% |