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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 | $60,691 | $110,801-45.2% | $86,615-29.9% | $167,536-63.8% |
| Participation rate | 66.7% | 75.8%-9.1pp | 71.6%-5.0pp | 82.1%-15.4pp |
| Annual return | 41.86% | 116.96%-75.1pp | 63.51%-21.6pp | 478.82%-437.0pp |
| Employer contribution / active EE | $2,283 | $3,245-29.6% | $2,496-8.5% | $4,839-52.8% |
| Participant deferral / active EE | $8,546 | $4,547+88.0% | $3,699+131.0% | $6,342+34.8% |
| Admin fee / account holder | $26,060 | $8,417+209.6% | $5,830+347.0% | $12,315+111.6% |