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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 | $87,536 | $209,422-58.2% | $178,503-51.0% | $158,982-44.9% |
| Participation rate | 50.0% | 86.4%-36.4pp | 81.9%-31.9pp | 82.0%-32.0pp |
| Annual return | 92.25% | 188.81%-96.6pp | 151.12%-58.9pp | 302.99%-210.7pp |
| Employer contribution / active EE | $1,702 | $5,707-70.2% | $5,011-66.0% | $4,763-64.3% |
| Participant deferral / active EE | $6,837 | $5,955+14.8% | $5,202+31.4% | $5,983+14.3% |
| Admin fee / account holder | $985 | $17,079-94.2% | $13,987-93.0% | $11,252-91.2% |