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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 | $62,848 | $159,978-60.7% | $147,041-57.3% | $145,978-56.9% |
| Participation rate | 63.6% | 84.0%-20.4pp | 82.2%-18.5pp | 80.3%-16.7pp |
| Annual return | 15.66% | 98.36%-82.7pp | 419.21%-403.5pp | 550.52%-534.9pp |
| Employer contribution / active EE | $1,758 | $5,288-66.8% | $4,935-64.4% | $4,662-62.3% |
| Participant deferral / active EE | $2,928 | $8,429-65.3% | $8,071-63.7% | $6,690-56.2% |
| Admin fee / account holder | $2,840 | $15,053-81.1% | $13,006-78.2% | $13,400-78.8% |