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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 | $88,182 | $160,070-44.9% | $147,117-40.1% | $145,897-39.6% |
| Participation rate | 64.3% | 84.0%-19.7pp | 82.2%-17.9pp | 80.3%-16.0pp |
| Annual return | 15.90% | 98.69%-82.8pp | 420.54%-404.6pp | 552.29%-536.4pp |
| Employer contribution / active EE | $1,978 | $5,285-62.6% | $4,932-59.9% | $4,663-57.6% |
| Participant deferral / active EE | $5,230 | $8,419-37.9% | $8,065-35.1% | $6,689-21.8% |
| Admin fee / account holder | $746 | $15,035-95.0% | $12,993-94.3% | $13,390-94.4% |