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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 | $142,216 | $135,645+4.8% | $110,243+29.0% | $135,380+5.0% |
| Participation rate | 63.6% | 83.5%-19.8pp | 79.8%-16.2pp | 82.6%-19.0pp |
| Annual return | -7.22% | 513.24%-520.5pp | 314.76%-322.0pp | 519.81%-527.0pp |
| Employer contribution / active EE | $3,016 | $4,907-38.5% | $3,827-21.2% | $4,779-36.9% |
| Participant deferral / active EE | $8,828 | $5,507+60.3% | $4,672+89.0% | $5,609+57.4% |
| Admin fee / account holder | $1,680 | $11,458-85.3% | $8,548-80.3% | $10,828-84.5% |