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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 | $80,123 | $114,073-29.8% | $96,161-16.7% | $167,518-52.2% |
| Participation rate | 66.7% | 75.1%-8.4pp | 68.4%-1.8pp | 82.1%-15.4pp |
| Annual return | 9.58% | 189.95%-180.4pp | 192.01%-182.4pp | 478.71%-469.1pp |
| Employer contribution / active EE | $0 | $3,428-100.0% | $2,798-100.0% | $4,838-100.0% |
| Participant deferral / active EE | $1,845 | $5,195-64.5% | $4,349-57.6% | $6,342-70.9% |
| Admin fee / account holder | $1,115 | $6,899-83.8% | $5,538-79.9% | $12,312-90.9% |