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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 | $44,227 | $160,028-72.4% | $147,080-69.9% | $145,884-69.7% |
| Participation rate | 60.0% | 84.0%-24.0pp | 82.2%-22.2pp | 80.3%-20.3pp |
| Annual return | 10.89% | 98.60%-87.7pp | 420.17%-409.3pp | 551.85%-541.0pp |
| Employer contribution / active EE | $3,743 | $5,286-29.2% | $4,933-24.1% | $4,662-19.7% |
| Participant deferral / active EE | $5,353 | $8,422-36.4% | $8,066-33.6% | $6,690-20.0% |
| Admin fee / account holder | $1,016 | $15,030-93.2% | $12,989-92.2% | $13,392-92.4% |