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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 | $70,655 | $160,040-55.9% | $147,096-52.0% | $145,877-51.6% |
| Participation rate | 64.3% | 84.0%-19.7pp | 82.2%-17.9pp | 80.3%-16.0pp |
| Annual return | 11.77% | 98.49%-86.7pp | 419.75%-408.0pp | 551.28%-539.5pp |
| Employer contribution / active EE | $3,304 | $5,289-37.5% | $4,936-33.1% | $4,663-29.1% |
| Participant deferral / active EE | $7,207 | $8,429-14.5% | $8,071-10.7% | $6,691+7.7% |
| Admin fee / account holder | $1,187 | $15,050-92.1% | $13,005-90.9% | $13,402-91.1% |