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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 | $91,376 | $159,934-42.9% | $147,005-37.8% | $145,959-37.4% |
| Participation rate | 42.9% | 84.0%-41.1pp | 82.2%-39.3pp | 80.3%-37.4pp |
| Annual return | 17.79% | 98.24%-80.5pp | 418.76%-401.0pp | 561.95%-544.2pp |
| Employer contribution / active EE | $2,172 | $5,287-58.9% | $4,934-56.0% | $4,661-53.4% |
| Participant deferral / active EE | $3,918 | $8,427-53.5% | $8,070-51.4% | $6,689-41.4% |
| Admin fee / account holder | $790 | $15,053-94.8% | $13,006-93.9% | $13,398-94.1% |