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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 | $114,176 | $209,422-45.5% | $178,503-36.0% | $158,982-28.2% |
| Participation rate | 50.0% | 86.4%-36.4pp | 81.9%-31.9pp | 82.0%-32.0pp |
| Annual return | 9.47% | 188.81%-179.3pp | 151.12%-141.6pp | 302.99%-293.5pp |
| Employer contribution / active EE | $4,850 | $5,707-15.0% | $5,011-3.2% | $4,763+1.8% |
| Participant deferral / active EE | $16,778 | $5,955+181.8% | $5,202+222.5% | $5,983+180.4% |
| Admin fee / account holder | $12,626 | $17,079-26.1% | $13,987-9.7% | $11,252+12.2% |