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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 | $41,707 | $159,978-73.9% | $147,041-71.6% | $145,978-71.4% |
| Participation rate | 40.0% | 84.0%-44.0pp | 82.2%-42.2pp | 80.3%-40.3pp |
| Annual return | 14.57% | 98.36%-83.8pp | 419.21%-404.6pp | 550.52%-535.9pp |
| Employer contribution / active EE | $1,786 | $5,288-66.2% | $4,935-63.8% | $4,662-61.7% |
| Participant deferral / active EE | $3,778 | $8,429-55.2% | $8,071-53.2% | $6,690-43.5% |
| Admin fee / account holder | $9,890 | $15,053-34.3% | $13,006-24.0% | $13,400-26.2% |