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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 | $124,743 | $209,422-40.4% | $178,503-30.1% | $158,982-21.5% |
| Participation rate | 61.5% | 86.4%-24.8pp | 81.9%-20.4pp | 82.0%-20.4pp |
| Annual return | 9.35% | 188.81%-179.5pp | 151.12%-141.8pp | 302.99%-293.6pp |
| Employer contribution / active EE | $4,789 | $5,707-16.1% | $5,011-4.4% | $4,763+0.5% |
| Participant deferral / active EE | $5,017 | $5,955-15.8% | $5,202-3.6% | $5,983-16.2% |
| Admin fee / account holder | $1,367 | $17,079-92.0% | $13,987-90.2% | $11,252-87.8% |