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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 | $88,815+150.2% | $81,882+171.4% | $145,897+52.3% |
| Participation rate | 50.0% | 75.1%-25.1pp | 72.4%-22.4pp | 80.3%-30.3pp |
| Annual return | 13.55% | 1033.75%-1020.2pp | 779.47%-765.9pp | 552.29%-538.7pp |
| Employer contribution / active EE | $2,135 | $3,086-30.8% | $2,916-26.8% | $4,663-54.2% |
| Participant deferral / active EE | $6,411 | $4,647+37.9% | $4,323+48.3% | $6,689-4.2% |
| Admin fee / account holder | $66,689 | $8,434+690.7% | $7,360+806.1% | $13,390+398.0% |