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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 | $93,082 | $150,435-38.1% | $120,580-22.8% | $145,897-36.2% |
| Participation rate | 55.6% | 78.8%-23.3pp | 72.0%-16.4pp | 80.3%-24.8pp |
| Annual return | 12.28% | 154.60%-142.3pp | 107.48%-95.2pp | 552.29%-540.0pp |
| Employer contribution / active EE | $2,015 | $4,352-53.7% | $3,469-41.9% | $4,663-56.8% |
| Participant deferral / active EE | $3,551 | $6,174-42.5% | $4,995-28.9% | $6,689-46.9% |
| Admin fee / account holder | $542 | $12,182-95.6% | $9,418-94.3% | $13,390-96.0% |