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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 | $133,450 | $90,530+47.4% | $76,030+75.5% | $145,897-8.5% |
| Participation rate | 23.1% | 74.4%-51.4pp | 69.1%-46.0pp | 80.3%-57.2pp |
| Annual return | 12.96% | 625.08%-612.1pp | 361.54%-348.6pp | 552.29%-539.3pp |
| Employer contribution / active EE | $706 | $3,319-78.7% | $2,688-73.7% | $4,663-84.9% |
| Participant deferral / active EE | $3,145 | $5,164-39.1% | $4,257-26.1% | $6,689-53.0% |
| Admin fee / account holder | $3,511 | $8,383-58.1% | $6,421-45.3% | $13,390-73.8% |