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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 | $130,775 | $160,028-18.3% | $147,080-11.1% | $145,884-10.4% |
| Participation rate | 63.6% | 84.0%-20.4pp | 82.2%-18.5pp | 80.3%-16.7pp |
| Annual return | 15.01% | 98.60%-83.6pp | 420.17%-405.2pp | 551.85%-536.8pp |
| Employer contribution / active EE | $1,645 | $5,286-68.9% | $4,933-66.7% | $4,662-64.7% |
| Participant deferral / active EE | $7,319 | $8,422-13.1% | $8,066-9.3% | $6,690+9.4% |
| Admin fee / account holder | $324 | $15,030-97.8% | $12,989-97.5% | $13,392-97.6% |