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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 | $83,202 | $88,815-6.3% | $81,882+1.6% | $145,897-43.0% |
| Participation rate | 40.0% | 75.1%-35.1pp | 72.4%-32.4pp | 80.3%-40.3pp |
| Annual return | 11.33% | 1033.75%-1022.4pp | 779.47%-768.1pp | 552.29%-541.0pp |
| Employer contribution / active EE | $365 | $3,086-88.2% | $2,916-87.5% | $4,663-92.2% |
| Participant deferral / active EE | $4,709 | $4,647+1.3% | $4,323+8.9% | $6,689-29.6% |
| Admin fee / account holder | $383 | $8,434-95.5% | $7,360-94.8% | $13,390-97.1% |