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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 | $89,354 | $168,635-47.0% | $147,617-39.5% | $125,389-28.7% |
| Participation rate | 66.7% | 88.8%-22.1pp | 84.6%-18.0pp | 83.2%-16.5pp |
| Annual return | -3.19% | 77.65%-80.8pp | 61.98%-65.2pp | 282.24%-285.4pp |
| Employer contribution / active EE | $11,431 | $6,252+82.8% | $5,564+105.4% | $4,866+134.9% |
| Participant deferral / active EE | $6,569 | $5,507+19.3% | $4,895+34.2% | $5,352+22.7% |
| Admin fee / account holder | $463 | $13,580-96.6% | $11,612-96.0% | $9,541-95.2% |