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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 | $142,460 | $106,549+33.7% | $91,225+56.2% | $134,509+5.9% |
| Participation rate | 60.0% | 76.8%-16.8pp | 73.2%-13.2pp | 81.2%-21.2pp |
| Annual return | -15.71% | 160.73%-176.4pp | 114.10%-129.8pp | 418.13%-433.8pp |
| Employer contribution / active EE | $8,969 | $3,331+169.2% | $2,851+214.6% | $4,741+89.2% |
| Participant deferral / active EE | $9,384 | $4,719+98.8% | $4,234+121.6% | $6,400+46.6% |
| Admin fee / account holder | $1,948 | $6,234-68.7% | $5,422-64.1% | $11,427-82.9% |