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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 | $60,230 | $96,691-37.7% | $86,656-30.5% | $139,487-56.8% |
| Participation rate | 61.1% | 74.4%-13.3pp | 71.7%-10.6pp | 80.3%-19.2pp |
| Annual return | 16.07% | 106.87%-90.8pp | 593.09%-577.0pp | 373.84%-357.8pp |
| Employer contribution / active EE | $2,963 | $3,267-9.3% | $3,025-2.1% | $4,755-37.7% |
| Participant deferral / active EE | $6,927 | $4,838+43.2% | $4,439+56.0% | $6,713+3.2% |
| Admin fee / account holder | $905 | $6,414-85.9% | $5,619-83.9% | $11,407-92.1% |