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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 | $21,594 | $176,105-87.7% | $159,474-86.5% | $167,536-87.1% |
| Participation rate | 55.0% | 85.0%-30.0pp | 82.8%-27.8pp | 82.1%-27.1pp |
| Annual return | 10.38% | 331.91%-321.5pp | 263.68%-253.3pp | 478.82%-468.4pp |
| Employer contribution / active EE | $3,014 | $5,299-43.1% | $4,831-37.6% | $4,839-37.7% |
| Participant deferral / active EE | $4,214 | $7,751-45.6% | $7,353-42.7% | $6,342-33.6% |
| Admin fee / account holder | $15,427 | $12,559+22.8% | $10,802+42.8% | $12,315+25.3% |