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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 | $115,399 | $160,040-27.9% | $147,096-21.5% | $145,877-20.9% |
| Participation rate | 44.4% | 84.0%-39.6pp | 82.2%-37.7pp | 80.3%-35.9pp |
| Annual return | 16.94% | 98.49%-81.6pp | 419.75%-402.8pp | 551.28%-534.3pp |
| Employer contribution / active EE | $2,470 | $5,289-53.3% | $4,936-49.9% | $4,663-47.0% |
| Participant deferral / active EE | $3,458 | $8,429-59.0% | $8,071-57.2% | $6,691-48.3% |
| Admin fee / account holder | $9,932 | $15,050-34.0% | $13,005-23.6% | $13,402-25.9% |