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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 | $47,431 | $176,077-73.1% | $159,455-70.3% | $167,518-71.7% |
| Participation rate | 37.5% | 84.9%-47.4pp | 82.8%-45.3pp | 82.1%-44.6pp |
| Annual return | 11.00% | 331.83%-320.8pp | 263.63%-252.6pp | 478.71%-467.7pp |
| Employer contribution / active EE | $1,851 | $5,298-65.1% | $4,830-61.7% | $4,838-61.8% |
| Participant deferral / active EE | $4,176 | $7,751-46.1% | $7,353-43.2% | $6,342-34.2% |
| Admin fee / account holder | $5,293 | $12,556-57.8% | $10,800-51.0% | $12,312-57.0% |