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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 | $51,611 | $166,242-69.0% | $165,071-68.7% | $145,884-64.6% |
| Participation rate | 63.6% | 82.0%-18.4pp | 78.6%-15.0pp | 80.3%-16.7pp |
| Annual return | 10.41% | 100.44%-90.0pp | 70.17%-59.8pp | 551.85%-541.4pp |
| Employer contribution / active EE | $4,389 | $5,283-16.9% | $4,347+1.0% | $4,662-5.9% |
| Participant deferral / active EE | $7,791 | $6,964+11.9% | $6,035+29.1% | $6,690+16.5% |
| Admin fee / account holder | $9,816 | $16,658-41.1% | $12,695-22.7% | $13,392-26.7% |