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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 | $200,706 | $106,008+89.3% | $92,240+117.6% | $147,586+36.0% |
| Participation rate | 50.0% | 80.4%-30.4pp | 76.5%-26.5pp | 82.8%-32.8pp |
| Annual return | 12.99% | 50.05%-37.1pp | 176.29%-163.3pp | 578.59%-565.6pp |
| Employer contribution / active EE | $10,071 | $4,333+132.4% | $3,680+173.7% | $4,876+106.5% |
| Participant deferral / active EE | $3,212 | $4,478-28.3% | $3,897-17.6% | $5,439-40.9% |
| Admin fee / account holder | $1,332 | $6,333-79.0% | $5,194-74.4% | $10,886-87.8% |