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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 | $134,880 | $160,070-15.7% | $147,117-8.3% | $145,897-7.6% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 10.85% | 98.69%-87.8pp | 420.54%-409.7pp | 552.29%-541.4pp |
| Employer contribution / active EE | $3,412 | $5,285-35.4% | $4,932-30.8% | $4,663-26.8% |
| Participant deferral / active EE | $5,649 | $8,419-32.9% | $8,065-30.0% | $6,689-15.6% |
| Admin fee / account holder | $4,772 | $15,035-68.3% | $12,993-63.3% | $13,390-64.4% |