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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 | $233,669 | $168,635+38.6% | $147,617+58.3% | $125,389+86.4% |
| Participation rate | 40.0% | 88.8%-48.8pp | 84.6%-44.6pp | 83.2%-43.2pp |
| Annual return | -0.48% | 77.65%-78.1pp | 61.98%-62.5pp | 282.24%-282.7pp |
| Employer contribution / active EE | $11,538 | $6,252+84.5% | $5,564+107.4% | $4,866+137.1% |
| Participant deferral / active EE | $4,633 | $5,507-15.9% | $4,895-5.4% | $5,352-13.4% |
| Admin fee / account holder | $14,960 | $13,580+10.2% | $11,612+28.8% | $9,541+56.8% |