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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 | $159,934-18.7% | $147,005-11.5% | $145,959-10.9% |
| Participation rate | 66.7% | 84.0%-17.3pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 10.01% | 98.24%-88.2pp | 418.76%-408.8pp | 561.95%-551.9pp |
| Employer contribution / active EE | $5,641 | $5,287+6.7% | $4,934+14.3% | $4,661+21.0% |
| Participant deferral / active EE | $20,456 | $8,427+142.7% | $8,070+153.5% | $6,689+205.8% |
| Admin fee / account holder | $1,763 | $15,053-88.3% | $13,006-86.4% | $13,398-86.8% |