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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 | $153,004 | $73,518+108.1% | $63,003+142.9% | $147,585+3.7% |
| Participation rate | 50.0% | 77.9%-27.9pp | 74.8%-24.8pp | 82.8%-32.8pp |
| Annual return | 10.11% | 175.46%-165.4pp | 87.59%-77.5pp | 578.57%-568.5pp |
| Employer contribution / active EE | $4,468 | $3,322+34.5% | $2,760+61.9% | $4,876-8.4% |
| Participant deferral / active EE | $2,967 | $4,183-29.1% | $3,329-10.9% | $5,439-45.4% |
| Admin fee / account holder | $4,336 | $5,952-27.1% | $3,600+20.4% | $10,885-60.2% |