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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 | $105,368 | $102,595+2.7% | $94,057+12.0% | $154,746-31.9% |
| Participation rate | 60.0% | 76.0%-16.0pp | 73.3%-13.3pp | 80.7%-20.7pp |
| Annual return | 16.43% | 583.42%-567.0pp | 480.62%-464.2pp | 172.34%-155.9pp |
| Employer contribution / active EE | $1,240 | $3,147-60.6% | $2,933-57.7% | $4,379-71.7% |
| Participant deferral / active EE | $4,363 | $5,118-14.8% | $4,709-7.4% | $6,730-35.2% |
| Admin fee / account holder | $11,654 | $7,736+50.6% | $7,244+60.9% | $14,365-18.9% |