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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 | $61,521 | $160,040-61.6% | $147,096-58.2% | $145,877-57.8% |
| Participation rate | 65.0% | 84.0%-19.0pp | 82.2%-17.2pp | 80.3%-15.3pp |
| Annual return | 12.98% | 98.49%-85.5pp | 419.75%-406.8pp | 551.28%-538.3pp |
| Employer contribution / active EE | $1,632 | $5,289-69.1% | $4,936-66.9% | $4,663-65.0% |
| Participant deferral / active EE | $3,839 | $8,429-54.5% | $8,071-52.4% | $6,691-42.6% |
| Admin fee / account holder | $525 | $15,050-96.5% | $13,005-96.0% | $13,402-96.1% |