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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 | $130,074 | $160,070-18.7% | $147,117-11.6% | $145,897-10.8% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 10.01% | 98.69%-88.7pp | 420.54%-410.5pp | 552.29%-542.3pp |
| Employer contribution / active EE | $5,641 | $5,285+6.7% | $4,932+14.4% | $4,663+21.0% |
| Participant deferral / active EE | $20,456 | $8,419+143.0% | $8,065+153.7% | $6,689+205.8% |
| Admin fee / account holder | $1,763 | $15,035-88.3% | $12,993-86.4% | $13,390-86.8% |