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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 | $107,437 | $159,934-32.8% | $147,005-26.9% | $145,959-26.4% |
| Participation rate | 68.4% | 84.0%-15.6pp | 82.2%-13.7pp | 80.3%-11.9pp |
| Annual return | 10.53% | 98.24%-87.7pp | 418.76%-408.2pp | 561.95%-551.4pp |
| Employer contribution / active EE | $2,101 | $5,287-60.3% | $4,934-57.4% | $4,661-54.9% |
| Participant deferral / active EE | $7,880 | $8,427-6.5% | $8,070-2.4% | $6,689+17.8% |
| Admin fee / account holder | $2,227 | $15,053-85.2% | $13,006-82.9% | $13,398-83.4% |