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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 | $89,374 | $96,678-7.6% | $86,640+3.2% | $139,466-35.9% |
| Participation rate | 66.7% | 74.4%-7.7pp | 71.7%-5.0pp | 80.3%-13.7pp |
| Annual return | 16.83% | 106.69%-89.9pp | 592.52%-575.7pp | 373.66%-356.8pp |
| Employer contribution / active EE | $1,482 | $3,265-54.6% | $3,024-51.0% | $4,754-68.8% |
| Participant deferral / active EE | $1,482 | $4,837-69.4% | $4,438-66.6% | $6,712-77.9% |
| Admin fee / account holder | $9,247 | $6,410+44.3% | $5,616+64.7% | $11,409-18.9% |