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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 | $112,628 | $176,077-36.0% | $159,455-29.4% | $167,518-32.8% |
| Participation rate | 63.2% | 84.9%-21.8pp | 82.8%-19.7pp | 82.1%-19.0pp |
| Annual return | 17.98% | 331.83%-313.9pp | 263.63%-245.6pp | 478.71%-460.7pp |
| Employer contribution / active EE | $1,333 | $5,298-74.8% | $4,830-72.4% | $4,838-72.4% |
| Participant deferral / active EE | $2,775 | $7,751-64.2% | $7,353-62.3% | $6,342-56.2% |
| Admin fee / account holder | $8,347 | $12,556-33.5% | $10,800-22.7% | $12,312-32.2% |