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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 | $144,993 | $159,978-9.4% | $147,041-1.4% | $145,978-0.7% |
| Participation rate | 57.1% | 84.0%-26.9pp | 82.2%-25.0pp | 80.3%-23.1pp |
| Annual return | 15.32% | 98.36%-83.0pp | 419.21%-403.9pp | 550.52%-535.2pp |
| Employer contribution / active EE | $4,758 | $5,288-10.0% | $4,935-3.6% | $4,662+2.1% |
| Participant deferral / active EE | $9,646 | $8,429+14.4% | $8,071+19.5% | $6,690+44.2% |
| Admin fee / account holder | $1,001 | $15,053-93.4% | $13,006-92.3% | $13,400-92.5% |