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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 | $159,978-68.5% | $147,041-65.8% | $145,978-65.5% |
| Participation rate | 60.0% | 84.0%-24.0pp | 82.2%-22.2pp | 80.3%-20.3pp |
| Annual return | 17.07% | 98.36%-81.3pp | 419.21%-402.1pp | 550.52%-533.5pp |
| Employer contribution / active EE | $4,509 | $5,288-14.7% | $4,935-8.6% | $4,662-3.3% |
| Participant deferral / active EE | $7,984 | $8,429-5.3% | $8,071-1.1% | $6,690+19.3% |
| Admin fee / account holder | $1,168 | $15,053-92.2% | $13,006-91.0% | $13,400-91.3% |