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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 | $103,902 | $183,988-43.5% | $162,177-35.9% | $152,897-32.0% |
| Participation rate | 43.5% | 88.5%-45.0pp | 87.6%-44.1pp | 82.5%-39.0pp |
| Annual return | 17.05% | 150.79%-133.7pp | 115.60%-98.6pp | 345.43%-328.4pp |
| Employer contribution / active EE | $3,811 | $6,370-40.2% | $5,613-32.1% | $4,764-20.0% |
| Participant deferral / active EE | $3,593 | $8,032-55.3% | $7,297-50.8% | $5,851-38.6% |
| Admin fee / account holder | $18,422 | $13,123+40.4% | $10,843+69.9% | $11,599+58.8% |