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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 | $89,286 | $102,382-12.8% | $147,005-39.3% | $80,874+10.4% |
| Participation rate | 64.0% | 75.8%-11.8pp | 82.2%-18.2pp | 67.6%-3.6pp |
| Annual return | 13.40% | 134.89%-121.5pp | 418.76%-405.4pp | 35.62%-22.2pp |
| Employer contribution / active EE | $6,245 | $3,715+68.1% | $4,934+26.6% | $2,756+126.6% |
| Participant deferral / active EE | $4,675 | $6,646-29.7% | $8,070-42.1% | $4,297+8.8% |
| Admin fee / account holder | $3,002 | $7,942-62.2% | $13,006-76.9% | $6,935-56.7% |