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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 | $140,662 | $209,422-32.8% | $178,503-21.2% | $158,982-11.5% |
| Participation rate | 40.9% | 86.4%-45.4pp | 81.9%-41.0pp | 82.0%-41.1pp |
| Annual return | 16.48% | 188.81%-172.3pp | 151.12%-134.6pp | 302.99%-286.5pp |
| Employer contribution / active EE | $1,847 | $5,707-67.6% | $5,011-63.1% | $4,763-61.2% |
| Participant deferral / active EE | $4,317 | $5,955-27.5% | $5,202-17.0% | $5,983-27.9% |
| Admin fee / account holder | $1,463 | $17,079-91.4% | $13,987-89.5% | $11,252-87.0% |