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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 | $101,703 | $102,595-0.9% | $94,057+8.1% | $154,746-34.3% |
| Participation rate | 37.5% | 76.0%-38.5pp | 73.3%-35.8pp | 80.7%-43.2pp |
| Annual return | 22.21% | 583.42%-561.2pp | 480.62%-458.4pp | 172.34%-150.1pp |
| Employer contribution / active EE | $1,183 | $3,147-62.4% | $2,933-59.7% | $4,379-73.0% |
| Participant deferral / active EE | $3,065 | $5,118-40.1% | $4,709-34.9% | $6,730-54.5% |
| Admin fee / account holder | $7,093 | $7,736-8.3% | $7,244-2.1% | $14,365-50.6% |