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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 | $160,040-15.7% | $147,096-8.3% | $145,877-7.5% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 10.85% | 98.49%-87.6pp | 419.75%-408.9pp | 551.28%-540.4pp |
| Employer contribution / active EE | $3,412 | $5,289-35.5% | $4,936-30.9% | $4,663-26.8% |
| Participant deferral / active EE | $5,649 | $8,429-33.0% | $8,071-30.0% | $6,691-15.6% |
| Admin fee / account holder | $4,772 | $15,050-68.3% | $13,005-63.3% | $13,402-64.4% |