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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 | $76,654 | $176,077-56.5% | $159,455-51.9% | $167,518-54.2% |
| Participation rate | 68.8% | 84.9%-16.2pp | 82.8%-14.1pp | 82.1%-13.4pp |
| Annual return | 11.63% | 331.83%-320.2pp | 263.63%-252.0pp | 478.71%-467.1pp |
| Employer contribution / active EE | $1,055 | $5,298-80.1% | $4,830-78.1% | $4,838-78.2% |
| Participant deferral / active EE | $3,762 | $7,751-51.5% | $7,353-48.8% | $6,342-40.7% |
| Admin fee / account holder | $1,294 | $12,556-89.7% | $10,800-88.0% | $12,312-89.5% |