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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 | $102,355 | $112,131-8.7% | $95,964+6.7% | $158,982-35.6% |
| Participation rate | 66.7% | 79.0%-12.3pp | 77.1%-10.4pp | 82.0%-15.3pp |
| Annual return | 9.89% | 171.19%-161.3pp | 91.64%-81.7pp | 302.99%-293.1pp |
| Employer contribution / active EE | $12,124 | $3,199+279.0% | $2,541+377.1% | $4,763+154.5% |
| Participant deferral / active EE | $12,337 | $4,784+157.9% | $4,167+196.1% | $5,983+106.2% |
| Admin fee / account holder | $616 | $10,136-93.9% | $6,797-90.9% | $11,252-94.5% |