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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 | $60,622 | $159,934-62.1% | $147,005-58.8% | $145,959-58.5% |
| Participation rate | 59.1% | 84.0%-24.9pp | 82.2%-23.1pp | 80.3%-21.2pp |
| Annual return | 12.90% | 98.24%-85.3pp | 418.76%-405.9pp | 561.95%-549.0pp |
| Employer contribution / active EE | $2,660 | $5,287-49.7% | $4,934-46.1% | $4,661-42.9% |
| Participant deferral / active EE | $7,362 | $8,427-12.6% | $8,070-8.8% | $6,689+10.1% |
| Admin fee / account holder | $7,527 | $15,053-50.0% | $13,006-42.1% | $13,398-43.8% |