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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 | $159,934-42.2% | $147,005-37.1% | $145,959-36.7% |
| Participation rate | 66.7% | 84.0%-17.3pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 15.21% | 98.24%-83.0pp | 418.76%-403.6pp | 561.95%-546.7pp |
| Employer contribution / active EE | $12,456 | $5,287+135.6% | $4,934+152.4% | $4,661+167.3% |
| Participant deferral / active EE | $3,667 | $8,427-56.5% | $8,070-54.6% | $6,689-45.2% |
| Admin fee / account holder | $437 | $15,053-97.1% | $13,006-96.6% | $13,398-96.7% |