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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 | $131,226 | $99,995+31.2% | $85,063+54.3% | $145,978-10.1% |
| Participation rate | 57.1% | 74.1%-17.0pp | 67.5%-10.4pp | 80.3%-23.1pp |
| Annual return | 9.32% | 83.99%-74.7pp | 66.54%-57.2pp | 550.52%-541.2pp |
| Employer contribution / active EE | $1,403 | $3,231-56.6% | $2,727-48.6% | $4,662-69.9% |
| Participant deferral / active EE | $5,509 | $5,295+4.0% | $4,523+21.8% | $6,690-17.7% |
| Admin fee / account holder | $51,451 | $7,255+609.2% | $6,155+735.9% | $13,400+284.0% |