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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 | $163,695 | $138,102+18.5% | $125,381+30.6% | $134,532+21.7% |
| Participation rate | 53.8% | 84.5%-30.6pp | 82.4%-28.5pp | 81.2%-27.4pp |
| Annual return | -9.27% | 750.73%-760.0pp | 572.31%-581.6pp | 418.27%-427.5pp |
| Employer contribution / active EE | $3,937 | $5,245-24.9% | $4,815-18.2% | $4,741-17.0% |
| Participant deferral / active EE | $10,428 | $7,801+33.7% | $7,448+40.0% | $6,401+62.9% |
| Admin fee / account holder | $2,467 | $11,568-78.7% | $10,007-75.3% | $11,429-78.4% |