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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 | $222,209 | $88,754+150.4% | $81,820+171.6% | $145,877+52.3% |
| Participation rate | 50.0% | 75.1%-25.1pp | 72.4%-22.4pp | 80.3%-30.3pp |
| Annual return | 13.55% | 1031.77%-1018.2pp | 777.93%-764.4pp | 551.28%-537.7pp |
| Employer contribution / active EE | $2,135 | $3,085-30.8% | $2,915-26.7% | $4,663-54.2% |
| Participant deferral / active EE | $6,411 | $4,648+37.9% | $4,323+48.3% | $6,691-4.2% |
| Admin fee / account holder | $66,689 | $8,424+691.7% | $7,391+802.4% | $13,402+397.6% |