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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 | $106,606 | $177,353-39.9% | $158,226-32.6% | $198,609-46.3% |
| Participation rate | 62.5% | 77.0%-14.5pp | 74.8%-12.3pp | 82.4%-19.9pp |
| Annual return | 13.50% | 599.50%-586.0pp | 501.41%-487.9pp | 202.70%-189.2pp |
| Employer contribution / active EE | $3,459 | $3,239+6.8% | $2,986+15.9% | $5,055-31.6% |
| Participant deferral / active EE | $3,882 | $4,615-15.9% | $4,317-10.1% | $6,977-44.4% |
| Admin fee / account holder | $2,299 | $10,960-79.0% | $10,217-77.5% | $19,030-87.9% |