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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 | $58,275 | $109,967-47.0% | $97,197-40.0% | $145,877-60.1% |
| Participation rate | 50.0% | 76.0%-26.0pp | 72.7%-22.7pp | 80.3%-30.3pp |
| Annual return | 9.62% | 244.27%-234.7pp | 75.47%-65.9pp | 551.28%-541.7pp |
| Employer contribution / active EE | $13,351 | $3,077+333.9% | $2,723+390.4% | $4,663+186.3% |
| Participant deferral / active EE | $5,000 | $4,676+6.9% | $4,263+17.3% | $6,691-25.3% |
| Admin fee / account holder | $894 | $6,199-85.6% | $5,637-84.1% | $13,402-93.3% |