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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 | $120,864 | $106,005+14.0% | $92,239+31.0% | $147,585-18.1% |
| Participation rate | 45.5% | 80.4%-35.0pp | 76.5%-31.0pp | 82.8%-37.4pp |
| Annual return | 11.78% | 50.05%-38.3pp | 176.29%-164.5pp | 578.58%-566.8pp |
| Employer contribution / active EE | $2,597 | $4,333-40.1% | $3,680-29.4% | $4,876-46.7% |
| Participant deferral / active EE | $9,033 | $4,478+101.7% | $3,897+131.8% | $5,439+66.1% |
| Admin fee / account holder | $56,177 | $6,333+787.1% | $5,194+981.6% | $10,886+416.1% |