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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 | $102,231 | $159,978-36.1% | $147,041-30.5% | $145,978-30.0% |
| Participation rate | 53.3% | 84.0%-30.7pp | 82.2%-28.8pp | 80.3%-27.0pp |
| Annual return | 12.51% | 98.36%-85.9pp | 419.21%-406.7pp | 550.52%-538.0pp |
| Employer contribution / active EE | $3,082 | $5,288-41.7% | $4,935-37.5% | $4,662-33.9% |
| Participant deferral / active EE | $4,583 | $8,429-45.6% | $8,071-43.2% | $6,690-31.5% |
| Admin fee / account holder | $1,079 | $15,053-92.8% | $13,006-91.7% | $13,400-92.0% |