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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 | $118,527 | $148,582-20.2% | $135,942-12.8% | $139,456-15.0% |
| Participation rate | 66.7% | 83.9%-17.2pp | 81.9%-15.2pp | 80.3%-13.7pp |
| Annual return | 13.39% | 79.26%-65.9pp | 68.28%-54.9pp | 373.45%-360.1pp |
| Employer contribution / active EE | $7,547 | $5,245+43.9% | $4,858+55.4% | $4,753+58.8% |
| Participant deferral / active EE | $8,098 | $8,1010% | $7,759+4.4% | $6,711+20.7% |
| Admin fee / account holder | $380 | $12,402-96.9% | $10,764-96.5% | $11,407-96.7% |