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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 | $93,972 | $209,888-55.2% | $189,545-50.4% | $167,553-43.9% |
| Participation rate | 53.8% | 88.7%-34.8pp | 87.8%-34.0pp | 82.1%-28.3pp |
| Annual return | 16.99% | 748.66%-731.7pp | 555.36%-538.4pp | 478.89%-461.9pp |
| Employer contribution / active EE | $0 | $6,915-100.0% | $6,162-100.0% | $4,840-100.0% |
| Participant deferral / active EE | $4,290 | $8,934-52.0% | $8,220-47.8% | $6,343-32.4% |
| Admin fee / account holder | $3,080 | $14,300-78.5% | $12,049-74.4% | $12,316-75.0% |