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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 | $74,482 | $209,422-64.4% | $178,503-58.3% | $158,982-53.2% |
| Participation rate | 60.9% | 86.4%-25.5pp | 81.9%-21.1pp | 82.0%-21.1pp |
| Annual return | 12.04% | 188.81%-176.8pp | 151.12%-139.1pp | 302.99%-291.0pp |
| Employer contribution / active EE | $2,131 | $5,707-62.7% | $5,011-57.5% | $4,763-55.3% |
| Participant deferral / active EE | $3,900 | $5,955-34.5% | $5,202-25.0% | $5,983-34.8% |
| Admin fee / account holder | $809 | $17,079-95.3% | $13,987-94.2% | $11,252-92.8% |