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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 | $94,421 | $168,635-44.0% | $147,617-36.0% | $125,389-24.7% |
| Participation rate | 62.5% | 88.8%-26.3pp | 84.6%-22.1pp | 83.2%-20.7pp |
| Annual return | -2.43% | 77.65%-80.1pp | 61.98%-64.4pp | 282.24%-284.7pp |
| Employer contribution / active EE | $2,123 | $6,252-66.0% | $5,564-61.9% | $4,866-56.4% |
| Participant deferral / active EE | $3,827 | $5,507-30.5% | $4,895-21.8% | $5,352-28.5% |
| Admin fee / account holder | $2,995 | $13,580-77.9% | $11,612-74.2% | $9,541-68.6% |