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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 | $26,005 | $160,028-83.7% | $147,080-82.3% | $145,884-82.2% |
| Participation rate | 60.9% | 84.0%-23.2pp | 82.2%-21.3pp | 80.3%-19.4pp |
| Annual return | 35.21% | 98.60%-63.4pp | 420.17%-385.0pp | 551.85%-516.6pp |
| Employer contribution / active EE | $3,594 | $5,286-32.0% | $4,933-27.1% | $4,662-22.9% |
| Participant deferral / active EE | $6,477 | $8,422-23.1% | $8,066-19.7% | $6,690-3.2% |
| Admin fee / account holder | $5,741 | $15,030-61.8% | $12,989-55.8% | $13,392-57.1% |