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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 | $124,449 | $176,105-29.3% | $159,474-22.0% | $167,536-25.7% |
| Participation rate | 23.1% | 85.0%-61.9pp | 82.8%-59.8pp | 82.1%-59.0pp |
| Annual return | 18.20% | 331.91%-313.7pp | 263.68%-245.5pp | 478.82%-460.6pp |
| Employer contribution / active EE | $2,365 | $5,299-55.4% | $4,831-51.0% | $4,839-51.1% |
| Participant deferral / active EE | $6,167 | $7,751-20.4% | $7,353-16.1% | $6,342-2.8% |
| Admin fee / account holder | $19,505 | $12,559+55.3% | $10,802+80.6% | $12,315+58.4% |