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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 | $160,070-18.7% | $147,117-11.6% | $145,897-10.9% |
| Participation rate | 69.6% | 84.0%-14.5pp | 82.2%-12.6pp | 80.3%-10.7pp |
| Annual return | 16.17% | 98.69%-82.5pp | 420.54%-404.4pp | 552.29%-536.1pp |
| Employer contribution / active EE | $3,014 | $5,285-43.0% | $4,932-38.9% | $4,663-35.4% |
| Participant deferral / active EE | $7,544 | $8,419-10.4% | $8,065-6.5% | $6,689+12.8% |
| Admin fee / account holder | $19,501 | $15,035+29.7% | $12,993+50.1% | $13,390+45.6% |