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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 | $151,286 | $209,422-27.8% | $178,503-15.2% | $158,982-4.8% |
| Participation rate | 50.0% | 86.4%-36.4pp | 81.9%-31.9pp | 82.0%-32.0pp |
| Annual return | 17.22% | 188.81%-171.6pp | 151.12%-133.9pp | 302.99%-285.8pp |
| Employer contribution / active EE | $1,291 | $5,707-77.4% | $5,011-74.2% | $4,763-72.9% |
| Participant deferral / active EE | $2,695 | $5,955-54.7% | $5,202-48.2% | $5,983-55.0% |
| Admin fee / account holder | $2,239 | $17,079-86.9% | $13,987-84.0% | $11,252-80.1% |