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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 | $96,433 | $175,231-45.0% | $149,696-35.6% | $139,466-30.9% |
| Participation rate | 57.1% | 83.4%-26.2pp | 78.8%-21.6pp | 80.3%-23.2pp |
| Annual return | 13.83% | 166.77%-152.9pp | 134.46%-120.6pp | 373.66%-359.8pp |
| Employer contribution / active EE | $2,322 | $5,478-57.6% | $4,821-51.8% | $4,754-51.2% |
| Participant deferral / active EE | $5,222 | $6,521-19.9% | $5,682-8.1% | $6,712-22.2% |
| Admin fee / account holder | $743 | $16,155-95.4% | $13,212-94.4% | $11,409-93.5% |