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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 | $50,330 | $160,070-68.6% | $147,117-65.8% | $145,897-65.5% |
| Participation rate | 60.0% | 84.0%-24.0pp | 82.2%-22.2pp | 80.3%-20.3pp |
| Annual return | 17.07% | 98.69%-81.6pp | 420.54%-403.5pp | 552.29%-535.2pp |
| Employer contribution / active EE | $4,509 | $5,285-14.7% | $4,932-8.6% | $4,663-3.3% |
| Participant deferral / active EE | $7,984 | $8,419-5.2% | $8,065-1.0% | $6,689+19.4% |
| Admin fee / account holder | $1,168 | $15,035-92.2% | $12,993-91.0% | $13,390-91.3% |