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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 | $51,529 | $159,934-67.8% | $147,005-64.9% | $145,959-64.7% |
| Participation rate | 62.5% | 84.0%-21.5pp | 82.2%-19.7pp | 80.3%-17.8pp |
| Annual return | 15.26% | 98.24%-83.0pp | 418.76%-403.5pp | 561.95%-546.7pp |
| Employer contribution / active EE | $3,279 | $5,287-38.0% | $4,934-33.5% | $4,661-29.6% |
| Participant deferral / active EE | $6,206 | $8,427-26.4% | $8,070-23.1% | $6,689-7.2% |
| Admin fee / account holder | $3,448 | $15,053-77.1% | $13,006-73.5% | $13,398-74.3% |