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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 | $83,734 | $104,953-20.2% | $84,637-1.1% | $152,909-45.2% |
| Participation rate | 66.7% | 74.8%-8.2pp | 68.2%-1.6pp | 82.5%-15.8pp |
| Annual return | 155.85% | 373.94%-218.1pp | 258.82%-103.0pp | 345.46%-189.6pp |
| Employer contribution / active EE | $2,044 | $3,304-38.1% | $2,653-23.0% | $4,764-57.1% |
| Participant deferral / active EE | $5,204 | $4,691+10.9% | $3,900+33.4% | $5,851-11.1% |
| Admin fee / account holder | $790 | $6,244-87.3% | $4,914-83.9% | $11,601-93.2% |