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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 | $160,040-32.9% | $147,096-27.0% | $145,877-26.4% |
| Participation rate | 68.4% | 84.0%-15.6pp | 82.2%-13.8pp | 80.3%-11.9pp |
| Annual return | 10.53% | 98.49%-88.0pp | 419.75%-409.2pp | 551.28%-540.8pp |
| Employer contribution / active EE | $2,101 | $5,289-60.3% | $4,936-57.4% | $4,663-55.0% |
| Participant deferral / active EE | $7,880 | $8,429-6.5% | $8,071-2.4% | $6,691+17.8% |
| Admin fee / account holder | $2,227 | $15,050-85.2% | $13,005-82.9% | $13,402-83.4% |