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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 | $61,041 | $159,978-61.8% | $147,041-58.5% | $145,978-58.2% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 24.11% | 98.36%-74.3pp | 419.21%-395.1pp | 550.52%-526.4pp |
| Employer contribution / active EE | $2,686 | $5,288-49.2% | $4,935-45.6% | $4,662-42.4% |
| Participant deferral / active EE | $11,067 | $8,429+31.3% | $8,071+37.1% | $6,690+65.4% |
| Admin fee / account holder | $727 | $15,053-95.2% | $13,006-94.4% | $13,400-94.6% |