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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 | $95,439 | $111,785-14.6% | $93,669+1.9% | $145,877-34.6% |
| Participation rate | 63.6% | 74.2%-10.6pp | 68.7%-5.1pp | 80.3%-16.7pp |
| Annual return | 10.73% | 203.79%-193.1pp | 133.59%-122.9pp | 551.28%-540.6pp |
| Employer contribution / active EE | $1,159 | $3,096-62.6% | $2,424-52.2% | $4,663-75.1% |
| Participant deferral / active EE | $4,013 | $4,919-18.4% | $4,416-9.1% | $6,691-40.0% |
| Admin fee / account holder | $2,047 | $10,256-80.0% | $8,291-75.3% | $13,402-84.7% |