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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 | $73,687 | $159,934-53.9% | $147,005-49.9% | $145,959-49.5% |
| Participation rate | 64.3% | 84.0%-19.7pp | 82.2%-17.9pp | 80.3%-16.0pp |
| Annual return | 14.83% | 98.24%-83.4pp | 418.76%-403.9pp | 561.95%-547.1pp |
| Employer contribution / active EE | $1,349 | $5,287-74.5% | $4,934-72.7% | $4,661-71.1% |
| Participant deferral / active EE | $7,634 | $8,427-9.4% | $8,070-5.4% | $6,689+14.1% |
| Admin fee / account holder | $16,120 | $15,053+7.1% | $13,006+23.9% | $13,398+20.3% |