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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 | $81,307 | $176,105-53.8% | $159,474-49.0% | $167,536-51.5% |
| Participation rate | 37.5% | 85.0%-47.5pp | 82.8%-45.3pp | 82.1%-44.6pp |
| Annual return | 12.40% | 331.91%-319.5pp | 263.68%-251.3pp | 478.82%-466.4pp |
| Employer contribution / active EE | $2,660 | $5,299-49.8% | $4,831-44.9% | $4,839-45.0% |
| Participant deferral / active EE | $4,677 | $7,751-39.7% | $7,353-36.4% | $6,342-26.3% |
| Admin fee / account holder | $388 | $12,559-96.9% | $10,802-96.4% | $12,315-96.9% |