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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 | $110,594 | $209,405-47.2% | $178,486-38.0% | $158,931-30.4% |
| Participation rate | 66.7% | 86.4%-19.7pp | 81.9%-15.3pp | 82.0%-15.3pp |
| Annual return | 17.23% | 188.77%-171.5pp | 151.08%-133.8pp | 302.86%-285.6pp |
| Employer contribution / active EE | $2,873 | $5,707-49.7% | $5,011-42.7% | $4,761-39.7% |
| Participant deferral / active EE | $5,211 | $5,954-12.5% | $5,202+0.2% | $5,982-12.9% |
| Admin fee / account holder | $11,049 | $17,076-35.3% | $13,985-21.0% | $11,247-1.8% |