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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 | $195,236 | $88,815+119.8% | $81,882+138.4% | $145,897+33.8% |
| Participation rate | 27.3% | 75.1%-47.8pp | 72.4%-45.1pp | 80.3%-53.0pp |
| Annual return | 10.42% | 1033.75%-1023.3pp | 779.47%-769.1pp | 552.29%-541.9pp |
| Employer contribution / active EE | $603 | $3,086-80.5% | $2,916-79.3% | $4,663-87.1% |
| Participant deferral / active EE | $1,675 | $4,647-64.0% | $4,323-61.3% | $6,689-75.0% |
| Admin fee / account holder | $1,012 | $8,434-88.0% | $7,360-86.3% | $13,390-92.4% |