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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 | $72,769 | $76,634-5.0% | $56,054+29.8% | $145,978-50.2% |
| Participation rate | 62.5% | 63.2%-0.7pp | 52.5%+10.0pp | 80.3%-17.8pp |
| Annual return | 13.60% | 3004.33%-2990.7pp | 1705.95%-1692.3pp | 550.52%-536.9pp |
| Employer contribution / active EE | $19,226 | $1,380+1292.9% | $1,039+1750.4% | $4,662+312.4% |
| Participant deferral / active EE | $8,740 | $2,622+233.3% | $1,952+347.7% | $6,690+30.7% |
| Admin fee / account holder | $3,631 | $3,321+9.3% | $2,822+28.6% | $13,400-72.9% |