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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 | $45,151 | $176,077-74.4% | $159,455-71.7% | $167,518-73.0% |
| Participation rate | 68.4% | 84.9%-16.5pp | 82.8%-14.4pp | 82.1%-13.7pp |
| Annual return | 28.76% | 331.83%-303.1pp | 263.63%-234.9pp | 478.71%-449.9pp |
| Employer contribution / active EE | $2,132 | $5,298-59.8% | $4,830-55.9% | $4,838-55.9% |
| Participant deferral / active EE | $5,397 | $7,751-30.4% | $7,353-26.6% | $6,342-14.9% |
| Admin fee / account holder | $395 | $12,556-96.9% | $10,800-96.3% | $12,312-96.8% |