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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 | $108,507 | $185,199-41.4% | $142,874-24.1% | $167,518-35.2% |
| Participation rate | 66.7% | 78.5%-11.8pp | 72.0%-5.3pp | 82.1%-15.4pp |
| Annual return | 14.70% | 8556.90%-8542.2pp | 5638.58%-5623.9pp | 478.71%-464.0pp |
| Employer contribution / active EE | $1,604 | $5,606-71.4% | $4,145-61.3% | $4,838-66.8% |
| Participant deferral / active EE | $7,230 | $4,495+60.8% | $3,838+88.4% | $6,342+14.0% |
| Admin fee / account holder | $2,962 | $8,031-63.1% | $6,561-54.9% | $12,312-75.9% |