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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 | $141,619 | $160,028-11.5% | $147,080-3.7% | $145,884-2.9% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 15.36% | 98.60%-83.2pp | 420.17%-404.8pp | 551.85%-536.5pp |
| Employer contribution / active EE | $1,664 | $5,286-68.5% | $4,933-66.3% | $4,662-64.3% |
| Participant deferral / active EE | $10,837 | $8,422+28.7% | $8,066+34.4% | $6,690+62.0% |
| Admin fee / account holder | $4,635 | $15,030-69.2% | $12,989-64.3% | $13,392-65.4% |