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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 | $209,012 | $176,077+18.7% | $159,455+31.1% | $167,518+24.8% |
| Participation rate | 40.0% | 84.9%-44.9pp | 82.8%-42.8pp | 82.1%-42.1pp |
| Annual return | 10.97% | 331.83%-320.9pp | 263.63%-252.7pp | 478.71%-467.7pp |
| Employer contribution / active EE | $1,634 | $5,298-69.2% | $4,830-66.2% | $4,838-66.2% |
| Participant deferral / active EE | $4,017 | $7,751-48.2% | $7,353-45.4% | $6,342-36.7% |
| Admin fee / account holder | $826 | $12,556-93.4% | $10,800-92.4% | $12,312-93.3% |