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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 | $90,371 | $176,120-48.7% | $159,487-43.3% | $167,553-46.1% |
| Participation rate | 50.0% | 85.0%-35.0pp | 82.8%-32.8pp | 82.1%-32.1pp |
| Annual return | 199.89% | 331.95%-132.1pp | 263.71%-63.8pp | 478.89%-279.0pp |
| Employer contribution / active EE | $1,763 | $5,299-66.7% | $4,831-63.5% | $4,840-63.6% |
| Participant deferral / active EE | $5,824 | $7,752-24.9% | $7,354-20.8% | $6,343-8.2% |
| Admin fee / account holder | $371 | $12,561-97.0% | $10,804-96.6% | $12,316-97.0% |