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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 | $84,408 | $102,635-17.8% | $86,209-2.1% | $139,456-39.5% |
| Participation rate | 55.6% | 74.5%-18.9pp | 69.0%-13.4pp | 80.3%-24.8pp |
| Annual return | 18.24% | 1923.53%-1905.3pp | 1169.05%-1150.8pp | 373.45%-355.2pp |
| Employer contribution / active EE | $2,238 | $3,034-26.2% | $2,381-6.0% | $4,753-52.9% |
| Participant deferral / active EE | $7,574 | $4,677+61.9% | $3,986+90.0% | $6,711+12.9% |
| Admin fee / account holder | $2,177 | $8,661-74.9% | $6,853-68.2% | $11,407-80.9% |