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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 | $93,128 | $114,073-18.4% | $96,161-3.2% | $167,518-44.4% |
| Participation rate | 66.7% | 75.1%-8.4pp | 68.4%-1.8pp | 82.1%-15.4pp |
| Annual return | 9.38% | 189.95%-180.6pp | 192.01%-182.6pp | 478.71%-469.3pp |
| Employer contribution / active EE | $16,584 | $3,428+383.7% | $2,798+492.6% | $4,838+242.7% |
| Participant deferral / active EE | $9,747 | $5,195+87.6% | $4,349+124.1% | $6,342+53.7% |
| Admin fee / account holder | $1,502 | $6,899-78.2% | $5,538-72.9% | $12,312-87.8% |