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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 | $93,607 | $129,737-27.8% | $119,126-21.4% | $154,746-39.5% |
| Participation rate | 66.7% | 78.9%-12.2pp | 75.8%-9.1pp | 80.7%-14.0pp |
| Annual return | 117.78% | 379.08%-261.3pp | 282.11%-164.3pp | 172.34%-54.6pp |
| Employer contribution / active EE | $2,256 | $4,375-48.4% | $4,034-44.1% | $4,379-48.5% |
| Participant deferral / active EE | $6,991 | $5,842+19.7% | $5,318+31.5% | $6,730+3.9% |
| Admin fee / account holder | $665 | $11,961-94.4% | $10,693-93.8% | $14,365-95.4% |