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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 | $105,442 | $176,688-40.3% | $130,660-19.3% | $152,897-31.0% |
| Participation rate | 63.6% | 79.0%-15.3pp | 71.7%-8.1pp | 82.5%-18.8pp |
| Annual return | 29.66% | 2693.08%-2663.4pp | 1709.29%-1679.6pp | 345.43%-315.8pp |
| Employer contribution / active EE | $446 | $5,743-92.2% | $4,092-89.1% | $4,764-90.6% |
| Participant deferral / active EE | $4,464 | $4,362+2.3% | $3,603+23.9% | $5,851-23.7% |
| Admin fee / account holder | $2,712 | $7,131-62.0% | $5,463-50.4% | $11,599-76.6% |