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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 | $124,786 | $96,678+29.1% | $86,640+44.0% | $139,466-10.5% |
| Participation rate | 62.5% | 74.4%-11.9pp | 71.7%-9.2pp | 80.3%-17.8pp |
| Annual return | 16.53% | 106.69%-90.2pp | 592.52%-576.0pp | 373.66%-357.1pp |
| Employer contribution / active EE | $2,231 | $3,265-31.7% | $3,024-26.2% | $4,754-53.1% |
| Participant deferral / active EE | $2,845 | $4,837-41.2% | $4,438-35.9% | $6,712-57.6% |
| Admin fee / account holder | $1,696 | $6,410-73.5% | $5,616-69.8% | $11,409-85.1% |