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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 | $22,533 | $175,231-87.1% | $149,696-84.9% | $139,466-83.8% |
| Participation rate | 69.6% | 83.4%-13.8pp | 78.8%-9.2pp | 80.3%-10.8pp |
| Annual return | 23.79% | 166.77%-143.0pp | 134.46%-110.7pp | 373.66%-349.9pp |
| Employer contribution / active EE | $2,379 | $5,478-56.6% | $4,821-50.6% | $4,754-49.9% |
| Participant deferral / active EE | $2,085 | $6,521-68.0% | $5,682-63.3% | $6,712-68.9% |
| Admin fee / account holder | $2,811 | $16,155-82.6% | $13,212-78.7% | $11,409-75.4% |