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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 | $118,685 | $109,411+8.5% | $89,435+32.7% | $158,982-25.3% |
| Participation rate | 50.0% | 74.3%-24.3pp | 68.0%-18.0pp | 82.0%-32.0pp |
| Annual return | 10.36% | 345.68%-335.3pp | 245.55%-235.2pp | 302.99%-292.6pp |
| Employer contribution / active EE | $622 | $3,173-80.4% | $2,587-76.0% | $4,763-86.9% |
| Participant deferral / active EE | $1,691 | $4,600-63.2% | $3,890-56.5% | $5,983-71.7% |
| Admin fee / account holder | $899 | $6,159-85.4% | $4,884-81.6% | $11,252-92.0% |