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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 | $158,471 | $160,040-1.0% | $147,096+7.7% | $145,877+8.6% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 15.80% | 98.49%-82.7pp | 419.75%-404.0pp | 551.28%-535.5pp |
| Employer contribution / active EE | $2,831 | $5,289-46.5% | $4,936-42.7% | $4,663-39.3% |
| Participant deferral / active EE | $8,521 | $8,429+1.1% | $8,071+5.6% | $6,691+27.4% |
| Admin fee / account holder | $1,119 | $15,050-92.6% | $13,005-91.4% | $13,402-91.7% |