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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 | $93,264 | $102,696-9.2% | $86,235+8.1% | $139,487-33.1% |
| Participation rate | 54.5% | 74.5%-20.0pp | 69.0%-14.4pp | 80.3%-25.8pp |
| Annual return | 17.51% | 1925.91%-1908.4pp | 1170.03%-1152.5pp | 373.84%-356.3pp |
| Employer contribution / active EE | $2,226 | $3,034-26.6% | $2,381-6.5% | $4,755-53.2% |
| Participant deferral / active EE | $3,149 | $4,679-32.7% | $3,987-21.0% | $6,713-53.1% |
| Admin fee / account holder | $3,666 | $8,667-57.7% | $6,856-46.5% | $11,407-67.9% |