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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 | $236,542 | $100,938+134.3% | $90,461+161.5% | $158,982+48.8% |
| Participation rate | 63.6% | 75.0%-11.4pp | 72.7%-9.1pp | 82.0%-18.3pp |
| Annual return | 13.73% | 1727.20%-1713.5pp | 1294.76%-1281.0pp | 302.99%-289.3pp |
| Employer contribution / active EE | $1,435 | $3,691-61.1% | $3,264-56.0% | $4,763-69.9% |
| Participant deferral / active EE | $2,432 | $4,350-44.1% | $3,964-38.6% | $5,983-59.4% |
| Admin fee / account holder | $19,510 | $6,510+199.7% | $5,617+247.4% | $11,252+73.4% |