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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 | $95,338 | $175,257-45.6% | $149,717-36.3% | $139,456-31.6% |
| Participation rate | 23.5% | 83.4%-59.9pp | 78.8%-55.2pp | 80.3%-56.8pp |
| Annual return | 13.00% | 166.70%-153.7pp | 134.41%-121.4pp | 373.45%-360.5pp |
| Employer contribution / active EE | $2,432 | $5,477-55.6% | $4,820-49.5% | $4,753-48.8% |
| Participant deferral / active EE | $3,987 | $6,521-38.9% | $5,682-29.8% | $6,711-40.6% |
| Admin fee / account holder | $26,674 | $16,156+65.1% | $13,213+101.9% | $11,407+133.8% |