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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 | $68,237 | $69,774-2.2% | $67,561+1.0% | $74,429-8.3% |
| Participation rate | 64.6% | 71.4%-6.8pp | 72.9%-8.3pp | 67.2%-2.6pp |
| Annual return | 14.65% | -40.53%+55.2pp | 3525.44%-3510.8pp | 1368.38%-1353.7pp |
| Employer contribution / active EE | $1,498 | $2,710-44.7% | $2,735-45.2% | $2,625-42.9% |
| Participant deferral / active EE | $5,051 | $3,636+38.9% | $4,003+26.2% | $4,348+16.2% |
| Admin fee / account holder | $2,711 | $890+204.6% | $4,006-32.3% | $1,944+39.4% |