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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 | $114,148 | $159,934-28.6% | $147,005-22.4% | $145,959-21.8% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 9.72% | 98.24%-88.5pp | 418.76%-409.0pp | 561.95%-552.2pp |
| Employer contribution / active EE | $2,172 | $5,287-58.9% | $4,934-56.0% | $4,661-53.4% |
| Participant deferral / active EE | $9,107 | $8,427+8.1% | $8,070+12.9% | $6,689+36.2% |
| Admin fee / account holder | $1,366 | $15,053-90.9% | $13,006-89.5% | $13,398-89.8% |