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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 | $104,716 | $160,040-34.6% | $147,096-28.8% | $145,877-28.2% |
| Participation rate | 60.0% | 84.0%-24.0pp | 82.2%-22.2pp | 80.3%-20.3pp |
| Annual return | 13.10% | 98.49%-85.4pp | 419.75%-406.7pp | 551.28%-538.2pp |
| Employer contribution / active EE | $2,447 | $5,289-53.7% | $4,936-50.4% | $4,663-47.5% |
| Participant deferral / active EE | $6,444 | $8,429-23.6% | $8,071-20.2% | $6,691-3.7% |
| Admin fee / account holder | $955 | $15,050-93.7% | $13,005-92.7% | $13,402-92.9% |