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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 | $107,836 | $159,978-32.6% | $147,041-26.7% | $145,978-26.1% |
| Participation rate | 45.5% | 84.0%-38.6pp | 82.2%-36.7pp | 80.3%-34.8pp |
| Annual return | 11.37% | 98.36%-87.0pp | 419.21%-407.8pp | 550.52%-539.1pp |
| Employer contribution / active EE | $1,207 | $5,288-77.2% | $4,935-75.5% | $4,662-74.1% |
| Participant deferral / active EE | $2,917 | $8,429-65.4% | $8,071-63.9% | $6,690-56.4% |
| Admin fee / account holder | $511 | $15,053-96.6% | $13,006-96.1% | $13,400-96.2% |