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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 | $87,844 | $160,028-45.1% | $147,080-40.3% | $145,884-39.8% |
| Participation rate | 61.5% | 84.0%-22.5pp | 82.2%-20.6pp | 80.3%-18.8pp |
| Annual return | 15.71% | 98.60%-82.9pp | 420.17%-404.5pp | 551.85%-536.1pp |
| Employer contribution / active EE | $5,921 | $5,286+12.0% | $4,933+20.0% | $4,662+27.0% |
| Participant deferral / active EE | $8,789 | $8,422+4.4% | $8,066+9.0% | $6,690+31.4% |
| Admin fee / account holder | $946 | $15,030-93.7% | $12,989-92.7% | $13,392-92.9% |