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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 | $174,387 | $138,102+26.3% | $125,381+39.1% | $134,532+29.6% |
| Participation rate | 63.6% | 84.5%-20.9pp | 82.4%-18.7pp | 81.2%-17.6pp |
| Annual return | -18.14% | 750.73%-768.9pp | 572.31%-590.5pp | 418.27%-436.4pp |
| Employer contribution / active EE | $3,312 | $5,245-36.9% | $4,815-31.2% | $4,741-30.1% |
| Participant deferral / active EE | $7,019 | $7,801-10.0% | $7,448-5.8% | $6,401+9.7% |
| Admin fee / account holder | $25,109 | $11,568+117.1% | $10,007+150.9% | $11,429+119.7% |