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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 | $105,373 | $106,005-0.6% | $92,239+14.2% | $147,585-28.6% |
| Participation rate | 64.7% | 80.4%-15.7pp | 76.5%-11.8pp | 82.8%-18.1pp |
| Annual return | 23.52% | 50.05%-26.5pp | 176.29%-152.8pp | 578.58%-555.1pp |
| Employer contribution / active EE | $1,528 | $4,333-64.7% | $3,680-58.5% | $4,876-68.7% |
| Participant deferral / active EE | $4,864 | $4,478+8.6% | $3,897+24.8% | $5,439-10.6% |
| Admin fee / account holder | $5,548 | $6,333-12.4% | $5,194+6.8% | $10,886-49.0% |