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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 | $117,054 | $175,259-33.2% | $149,723-21.8% | $139,487-16.1% |
| Participation rate | 61.9% | 83.4%-21.5pp | 78.8%-16.9pp | 80.3%-18.4pp |
| Annual return | 22.68% | 166.82%-144.1pp | 134.50%-111.8pp | 373.84%-351.2pp |
| Employer contribution / active EE | $2,948 | $5,478-46.2% | $4,821-38.9% | $4,755-38.0% |
| Participant deferral / active EE | $7,353 | $6,522+12.8% | $5,682+29.4% | $6,713+9.5% |
| Admin fee / account holder | $1,020 | $16,158-93.7% | $13,215-92.3% | $11,407-91.1% |