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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 | $73,278 | $109,411-33.0% | $89,435-18.1% | $158,982-53.9% |
| Participation rate | 66.7% | 74.3%-7.6pp | 68.0%-1.3pp | 82.0%-15.3pp |
| Annual return | 90.67% | 345.68%-255.0pp | 245.55%-154.9pp | 302.99%-212.3pp |
| Employer contribution / active EE | $1,281 | $3,173-59.6% | $2,587-50.5% | $4,763-73.1% |
| Participant deferral / active EE | $4,198 | $4,600-8.7% | $3,890+7.9% | $5,983-29.8% |
| Admin fee / account holder | $40,233 | $6,159+553.3% | $4,884+723.7% | $11,252+257.6% |