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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 | $100,434 | $159,978-37.2% | $147,041-31.7% | $145,978-31.2% |
| Participation rate | 60.0% | 84.0%-24.0pp | 82.2%-22.2pp | 80.3%-20.3pp |
| Annual return | 12.19% | 98.36%-86.2pp | 419.21%-407.0pp | 550.52%-538.3pp |
| Employer contribution / active EE | $3,722 | $5,288-29.6% | $4,935-24.6% | $4,662-20.2% |
| Participant deferral / active EE | $9,336 | $8,429+10.8% | $8,071+15.7% | $6,690+39.6% |
| Admin fee / account holder | $307 | $15,053-98.0% | $13,006-97.6% | $13,400-97.7% |