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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 | $64,455 | $217,432-70.4% | $185,851-65.3% | $167,553-61.5% |
| Participation rate | 66.7% | 86.1%-19.4pp | 81.7%-15.0pp | 82.1%-15.4pp |
| Annual return | 13.78% | 148.43%-134.7pp | 122.11%-108.3pp | 478.89%-465.1pp |
| Employer contribution / active EE | $10,210 | $5,874+73.8% | $5,168+97.6% | $4,840+111.0% |
| Participant deferral / active EE | $2,841 | $6,357-55.3% | $5,569-49.0% | $6,343-55.2% |
| Admin fee / account holder | $6,498 | $19,820-67.2% | $16,245-60.0% | $12,316-47.2% |