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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 | $130,057 | $160,040-18.7% | $147,096-11.6% | $145,877-10.8% |
| Participation rate | 69.6% | 84.0%-14.5pp | 82.2%-12.6pp | 80.3%-10.7pp |
| Annual return | 16.17% | 98.49%-82.3pp | 419.75%-403.6pp | 551.28%-535.1pp |
| Employer contribution / active EE | $3,014 | $5,289-43.0% | $4,936-38.9% | $4,663-35.4% |
| Participant deferral / active EE | $7,544 | $8,429-10.5% | $8,071-6.5% | $6,691+12.8% |
| Admin fee / account holder | $19,501 | $15,050+29.6% | $13,005+49.9% | $13,402+45.5% |