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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 | $186,706 | $93,124+100.5% | $77,100+142.2% | $134,545+38.8% |
| Participation rate | 65.2% | 74.5%-9.3pp | 67.9%-2.7pp | 81.2%-16.0pp |
| Annual return | -19.65% | 62.68%-82.3pp | 42.35%-62.0pp | 418.37%-438.0pp |
| Employer contribution / active EE | $3,266 | $3,421-4.6% | $2,815+16.0% | $4,742-31.1% |
| Participant deferral / active EE | $8,281 | $5,242+58.0% | $4,430+86.9% | $6,401+29.4% |
| Admin fee / account holder | $1,106 | $6,970-84.1% | $5,443-79.7% | $11,431-90.3% |