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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 | $75,396 | $57,330+31.5% | $86,656-13.0% | $75,177+0.3% |
| Participation rate | 69.0% | 63.2%+5.8pp | 71.7%-2.7pp | 67.2%+1.8pp |
| Annual return | 21.01% | 2675.40%-2654.4pp | 593.09%-572.1pp | 160.75%-139.7pp |
| Employer contribution / active EE | $10,762 | $2,316+364.6% | $3,025+255.7% | $2,671+302.9% |
| Participant deferral / active EE | $5,428 | $3,320+63.5% | $4,439+22.3% | $4,126+31.5% |
| Admin fee / account holder | $2,792 | $4,115-32.2% | $5,619-50.3% | $5,651-50.6% |