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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 | $92,463 | $160,070-42.2% | $147,117-37.1% | $145,897-36.6% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 15.21% | 98.69%-83.5pp | 420.54%-405.3pp | 552.29%-537.1pp |
| Employer contribution / active EE | $12,456 | $5,285+135.7% | $4,932+152.5% | $4,663+167.1% |
| Participant deferral / active EE | $3,667 | $8,419-56.4% | $8,065-54.5% | $6,689-45.2% |
| Admin fee / account holder | $437 | $15,035-97.1% | $12,993-96.6% | $13,390-96.7% |