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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 | $160,040-67.8% | $147,096-65.0% | $145,877-64.7% |
| Participation rate | 62.5% | 84.0%-21.5pp | 82.2%-19.7pp | 80.3%-17.8pp |
| Annual return | 15.26% | 98.49%-83.2pp | 419.75%-404.5pp | 551.28%-536.0pp |
| Employer contribution / active EE | $3,279 | $5,289-38.0% | $4,936-33.6% | $4,663-29.7% |
| Participant deferral / active EE | $6,206 | $8,429-26.4% | $8,071-23.1% | $6,691-7.2% |
| Admin fee / account holder | $3,448 | $15,050-77.1% | $13,005-73.5% | $13,402-74.3% |