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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 | $74,952 | $180,459-58.5% | $154,108-51.4% | $135,380-44.6% |
| Participation rate | 63.6% | 87.4%-23.8pp | 83.0%-19.4pp | 82.6%-19.0pp |
| Annual return | 2.22% | 888.21%-886.0pp | 735.21%-733.0pp | 519.81%-517.6pp |
| Employer contribution / active EE | $1,788 | $6,035-70.4% | $5,298-66.2% | $4,779-62.6% |
| Participant deferral / active EE | $5,417 | $5,806-6.7% | $5,081+6.6% | $5,609-3.4% |
| Admin fee / account holder | $551 | $16,145-96.6% | $13,411-95.9% | $10,828-94.9% |