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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 | $115,972 | $160,028-27.5% | $147,080-21.2% | $145,884-20.5% |
| Participation rate | 63.2% | 84.0%-20.9pp | 82.2%-19.0pp | 80.3%-17.1pp |
| Annual return | 19.31% | 98.60%-79.3pp | 420.17%-400.9pp | 551.85%-532.5pp |
| Employer contribution / active EE | $1,135 | $5,286-78.5% | $4,933-77.0% | $4,662-75.7% |
| Participant deferral / active EE | $5,853 | $8,422-30.5% | $8,066-27.4% | $6,690-12.5% |
| Admin fee / account holder | $1,372 | $15,030-90.9% | $12,989-89.4% | $13,392-89.8% |