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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 | $113,180 | $160,028-29.3% | $147,080-23.0% | $145,884-22.4% |
| Participation rate | 33.3% | 84.0%-50.7pp | 82.2%-48.8pp | 80.3%-47.0pp |
| Annual return | 13.71% | 98.60%-84.9pp | 420.17%-406.5pp | 551.85%-538.1pp |
| Employer contribution / active EE | $2,146 | $5,286-59.4% | $4,933-56.5% | $4,662-54.0% |
| Participant deferral / active EE | $3,676 | $8,422-56.3% | $8,066-54.4% | $6,690-45.0% |
| Admin fee / account holder | $928 | $15,030-93.8% | $12,989-92.9% | $13,392-93.1% |