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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 | $139,436 | $96,691+44.2% | $86,656+60.9% | $139,4870% |
| Participation rate | 52.6% | 74.4%-21.8pp | 71.7%-19.1pp | 80.3%-27.7pp |
| Annual return | 16.51% | 106.87%-90.4pp | 593.09%-576.6pp | 373.84%-357.3pp |
| Employer contribution / active EE | $1,095 | $3,267-66.5% | $3,025-63.8% | $4,755-77.0% |
| Participant deferral / active EE | $4,768 | $4,838-1.4% | $4,439+7.4% | $6,713-29.0% |
| Admin fee / account holder | $22,357 | $6,414+248.5% | $5,619+297.9% | $11,407+96.0% |