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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 | $76,253 | $183,539-58.5% | $155,556-51.0% | $145,897-47.7% |
| Participation rate | 33.3% | 82.7%-49.4pp | 78.2%-44.9pp | 80.3%-47.0pp |
| Annual return | 10.39% | 61.31%-50.9pp | 64.84%-54.4pp | 552.29%-541.9pp |
| Employer contribution / active EE | $1,768 | $5,315-66.7% | $4,675-62.2% | $4,663-62.1% |
| Participant deferral / active EE | $3,123 | $6,467-51.7% | $5,631-44.5% | $6,689-53.3% |
| Admin fee / account holder | $2,572 | $19,275-86.7% | $15,885-83.8% | $13,390-80.8% |