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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 | $75,426 | $159,978-52.9% | $147,041-48.7% | $145,978-48.3% |
| Participation rate | 41.7% | 84.0%-42.3pp | 82.2%-40.5pp | 80.3%-38.6pp |
| Annual return | 16.60% | 98.36%-81.8pp | 419.21%-402.6pp | 550.52%-533.9pp |
| Employer contribution / active EE | $1,716 | $5,288-67.6% | $4,935-65.2% | $4,662-63.2% |
| Participant deferral / active EE | $3,170 | $8,429-62.4% | $8,071-60.7% | $6,690-52.6% |
| Admin fee / account holder | $8,597 | $15,053-42.9% | $13,006-33.9% | $13,400-35.8% |