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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 | $77,834 | $49,897+56.0% | $80,648-3.5% | $75,177+3.5% |
| Participation rate | 37.5% | 55.3%-17.8pp | 67.0%-29.5pp | 67.2%-29.7pp |
| Annual return | 109.06% | 34.68%+74.4pp | 937.21%-828.2pp | 160.75%-51.7pp |
| Employer contribution / active EE | $0 | $1,699-100.0% | $2,724-100.0% | $2,671-100.0% |
| Participant deferral / active EE | $1,388 | $2,992-53.6% | $4,443-68.8% | $4,126-66.4% |
| Admin fee / account holder | $4,045 | $3,579+13.0% | $5,382-24.8% | $5,651-28.4% |