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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 | $90,319 | $125,190-27.9% | $105,624-14.5% | $145,897-38.1% |
| Participation rate | 40.9% | 77.6%-36.7pp | 75.3%-34.4pp | 80.3%-39.4pp |
| Annual return | 10.33% | 225.22%-214.9pp | 116.20%-105.9pp | 552.29%-542.0pp |
| Employer contribution / active EE | $1,227 | $3,720-67.0% | $3,168-61.3% | $4,663-73.7% |
| Participant deferral / active EE | $3,720 | $5,716-34.9% | $5,013-25.8% | $6,689-44.4% |
| Admin fee / account holder | $8,541 | $17,138-50.2% | $10,961-22.1% | $13,390-36.2% |