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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 | $136,269 | $160,028-14.8% | $147,080-7.4% | $145,884-6.6% |
| Participation rate | 55.6% | 84.0%-28.5pp | 82.2%-26.6pp | 80.3%-24.7pp |
| Annual return | 13.30% | 98.60%-85.3pp | 420.17%-406.9pp | 551.85%-538.5pp |
| Employer contribution / active EE | $4,721 | $5,286-10.7% | $4,933-4.3% | $4,662+1.3% |
| Participant deferral / active EE | $11,405 | $8,422+35.4% | $8,066+41.4% | $6,690+70.5% |
| Admin fee / account holder | $2,271 | $15,030-84.9% | $12,989-82.5% | $13,392-83.0% |