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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 | $143,645 | $160,070-10.3% | $147,117-2.4% | $145,897-1.5% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 14.48% | 98.69%-84.2pp | 420.54%-406.1pp | 552.29%-537.8pp |
| Employer contribution / active EE | $1,296 | $5,285-75.5% | $4,932-73.7% | $4,663-72.2% |
| Participant deferral / active EE | $5,563 | $8,419-33.9% | $8,065-31.0% | $6,689-16.8% |
| Admin fee / account holder | $4,795 | $15,035-68.1% | $12,993-63.1% | $13,390-64.2% |