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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 | $125,804 | $90,320+39.3% | $59,496+111.5% | $125,388+0.3% |
| Participation rate | 60.0% | 68.3%-8.3pp | 54.6%+5.4pp | 83.2%-23.2pp |
| Annual return | -1.91% | 369.13%-371.0pp | 182.05%-184.0pp | 282.24%-284.1pp |
| Employer contribution / active EE | $1,448 | $1,792-19.2% | $1,153+25.5% | $4,866-70.3% |
| Participant deferral / active EE | $6,949 | $2,716+155.8% | $1,829+279.9% | $5,352+29.8% |
| Admin fee / account holder | $10,149 | $3,063+231.4% | $2,232+354.6% | $9,541+6.4% |