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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 | $54,461 | $160,040-66.0% | $147,096-63.0% | $145,877-62.7% |
| Participation rate | 61.5% | 84.0%-22.5pp | 82.2%-20.6pp | 80.3%-18.8pp |
| Annual return | 16.65% | 98.49%-81.8pp | 419.75%-403.1pp | 551.28%-534.6pp |
| Employer contribution / active EE | $3,572 | $5,289-32.5% | $4,936-27.6% | $4,663-23.4% |
| Participant deferral / active EE | $9,621 | $8,429+14.1% | $8,071+19.2% | $6,691+43.8% |
| Admin fee / account holder | $6,981 | $15,050-53.6% | $13,005-46.3% | $13,402-47.9% |