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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 | $44,936 | $93,589-52.0% | $135,942-66.9% | $75,181-40.2% |
| Participation rate | 67.1% | 75.2%-8.1pp | 81.9%-14.8pp | 67.2%-0.1pp |
| Annual return | 99.57% | 30.90%+68.7pp | 68.28%+31.3pp | 160.69%-61.1pp |
| Employer contribution / active EE | $3,631 | $3,537+2.6% | $4,858-25.2% | $2,671+36.0% |
| Participant deferral / active EE | $9,741 | $6,405+52.1% | $7,759+25.5% | $4,126+136.1% |
| Admin fee / account holder | $10,018 | $6,977+43.6% | $10,764-6.9% | $5,650+77.3% |