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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 | $54,349 | $159,978-66.0% | $147,041-63.0% | $145,978-62.8% |
| Participation rate | 41.7% | 84.0%-42.3pp | 82.2%-40.5pp | 80.3%-38.6pp |
| Annual return | 21.01% | 98.36%-77.4pp | 419.21%-398.2pp | 550.52%-529.5pp |
| Employer contribution / active EE | $2,233 | $5,288-57.8% | $4,935-54.8% | $4,662-52.1% |
| Participant deferral / active EE | $5,620 | $8,429-33.3% | $8,071-30.4% | $6,690-16.0% |
| Admin fee / account holder | $729 | $15,053-95.2% | $13,006-94.4% | $13,400-94.6% |