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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 | $127,874 | $171,492-25.4% | $150,734-15.2% | $198,609-35.6% |
| Participation rate | 45.5% | 81.4%-36.0pp | 78.4%-33.0pp | 82.4%-36.9pp |
| Annual return | 8.98% | 804.70%-795.7pp | 600.81%-591.8pp | 202.70%-193.7pp |
| Employer contribution / active EE | $2,221 | $5,470-59.4% | $4,918-54.8% | $5,055-56.1% |
| Participant deferral / active EE | $4,506 | $6,259-28.0% | $5,610-19.7% | $6,977-35.4% |
| Admin fee / account holder | $28,195 | $17,628+59.9% | $14,905+89.2% | $19,030+48.2% |