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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 | $136,494 | $102,422+33.3% | $147,117-7.2% | $80,959+68.6% |
| Participation rate | 69.0% | 75.9%-6.9pp | 82.2%-13.2pp | 67.7%+1.3pp |
| Annual return | 13.10% | 135.16%-122.1pp | 420.54%-407.4pp | 35.67%-22.6pp |
| Employer contribution / active EE | $5,016 | $3,717+34.9% | $4,932+1.7% | $2,757+81.9% |
| Participant deferral / active EE | $9,402 | $6,652+41.3% | $8,065+16.6% | $4,300+118.6% |
| Admin fee / account holder | $433 | $7,953-94.6% | $12,993-96.7% | $6,925-93.8% |