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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 | $60,420 | $154,754-61.0% | $124,206-51.4% | $138,895-56.5% |
| Participation rate | 66.7% | 75.5%-8.8pp | 69.6%-2.9pp | 79.9%-13.3pp |
| Annual return | 20.06% | 709.28%-689.2pp | 515.27%-495.2pp | 145.39%-125.3pp |
| Employer contribution / active EE | $7,110 | $4,446+59.9% | $3,540+100.8% | $4,194+69.5% |
| Participant deferral / active EE | $3,439 | $4,621-25.6% | $3,968-13.3% | $6,396-46.2% |
| Admin fee / account holder | $2,584 | $6,690-61.4% | $5,929-56.4% | $12,562-79.4% |