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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 | $160,028-37.2% | $147,080-31.7% | $145,884-31.2% |
| Participation rate | 60.0% | 84.0%-24.0pp | 82.2%-22.2pp | 80.3%-20.3pp |
| Annual return | 12.19% | 98.60%-86.4pp | 420.17%-408.0pp | 551.85%-539.7pp |
| Employer contribution / active EE | $3,722 | $5,286-29.6% | $4,933-24.6% | $4,662-20.2% |
| Participant deferral / active EE | $9,336 | $8,422+10.9% | $8,066+15.7% | $6,690+39.6% |
| Admin fee / account holder | $307 | $15,030-98.0% | $12,989-97.6% | $13,392-97.7% |