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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 | $80,303 | $160,070-49.8% | $147,117-45.4% | $145,897-45.0% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 12.19% | 98.69%-86.5pp | 420.54%-408.3pp | 552.29%-540.1pp |
| Employer contribution / active EE | $4,025 | $5,285-23.8% | $4,932-18.4% | $4,663-13.7% |
| Participant deferral / active EE | $9,907 | $8,419+17.7% | $8,065+22.8% | $6,689+48.1% |
| Admin fee / account holder | $410 | $15,035-97.3% | $12,993-96.8% | $13,390-96.9% |