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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 | $69,004 | $160,040-56.9% | $147,096-53.1% | $145,877-52.7% |
| Participation rate | 61.5% | 84.0%-22.5pp | 82.2%-20.6pp | 80.3%-18.8pp |
| Annual return | 20.20% | 98.49%-78.3pp | 419.75%-399.6pp | 551.28%-531.1pp |
| Employer contribution / active EE | $1,787 | $5,289-66.2% | $4,936-63.8% | $4,663-61.7% |
| Participant deferral / active EE | $4,751 | $8,429-43.6% | $8,071-41.1% | $6,691-29.0% |
| Admin fee / account holder | $693 | $15,050-95.4% | $13,005-94.7% | $13,402-94.8% |