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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 | $103,333 | $99,011+4.4% | $86,582+19.3% | $147,586-30.0% |
| Participation rate | 66.7% | 76.3%-9.7pp | 73.5%-6.9pp | 82.8%-16.2pp |
| Annual return | 19.42% | 1312.75%-1293.3pp | 965.08%-945.7pp | 578.59%-559.2pp |
| Employer contribution / active EE | $1,449 | $3,132-53.7% | $2,839-49.0% | $4,876-70.3% |
| Participant deferral / active EE | $6,106 | $3,972+53.7% | $3,609+69.2% | $5,439+12.3% |
| Admin fee / account holder | $6,885 | $5,709+20.6% | $4,904+40.4% | $10,886-36.8% |