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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 | $76,851 | $96,691-20.5% | $86,656-11.3% | $139,487-44.9% |
| Participation rate | 57.1% | 74.4%-17.3pp | 71.7%-14.6pp | 80.3%-23.2pp |
| Annual return | 16.36% | 106.87%-90.5pp | 593.09%-576.7pp | 373.84%-357.5pp |
| Employer contribution / active EE | $2,362 | $3,267-27.7% | $3,025-21.9% | $4,755-50.3% |
| Participant deferral / active EE | $5,194 | $4,838+7.4% | $4,439+17.0% | $6,713-22.6% |
| Admin fee / account holder | $2,438 | $6,414-62.0% | $5,619-56.6% | $11,407-78.6% |