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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 | $160,070-67.8% | $147,117-65.0% | $145,897-64.7% |
| Participation rate | 62.5% | 84.0%-21.5pp | 82.2%-19.7pp | 80.3%-17.8pp |
| Annual return | 15.26% | 98.69%-83.4pp | 420.54%-405.3pp | 552.29%-537.0pp |
| Employer contribution / active EE | $3,279 | $5,285-38.0% | $4,932-33.5% | $4,663-29.7% |
| Participant deferral / active EE | $6,206 | $8,419-26.3% | $8,065-23.0% | $6,689-7.2% |
| Admin fee / account holder | $3,448 | $15,035-77.1% | $12,993-73.5% | $13,390-74.3% |