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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 | $158,890 | $160,028-0.7% | $147,080+8.0% | $145,884+8.9% |
| Participation rate | 68.4% | 84.0%-15.6pp | 82.2%-13.8pp | 80.3%-11.9pp |
| Annual return | 14.59% | 98.60%-84.0pp | 420.17%-405.6pp | 551.85%-537.3pp |
| Employer contribution / active EE | $3,621 | $5,286-31.5% | $4,933-26.6% | $4,662-22.3% |
| Participant deferral / active EE | $3,325 | $8,422-60.5% | $8,066-58.8% | $6,690-50.3% |
| Admin fee / account holder | $2,838 | $15,030-81.1% | $12,989-78.1% | $13,392-78.8% |