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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 | $120,634 | $175,257-31.2% | $149,717-19.4% | $139,456-13.5% |
| Participation rate | 28.6% | 83.4%-54.8pp | 78.8%-50.2pp | 80.3%-51.8pp |
| Annual return | 12.52% | 166.70%-154.2pp | 134.41%-121.9pp | 373.45%-360.9pp |
| Employer contribution / active EE | $1,856 | $5,477-66.1% | $4,820-61.5% | $4,753-61.0% |
| Participant deferral / active EE | $7,500 | $6,521+15.0% | $5,682+32.0% | $6,711+11.8% |
| Admin fee / account holder | $2,617 | $16,156-83.8% | $13,213-80.2% | $11,407-77.1% |