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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 | $113,263 | $84,685+33.7% | $73,836+53.4% | $125,389-9.7% |
| Participation rate | 50.0% | 76.8%-26.8pp | 73.4%-23.4pp | 83.2%-33.2pp |
| Annual return | 21.58% | 3123.80%-3102.2pp | 2268.06%-2246.5pp | 282.24%-260.7pp |
| Employer contribution / active EE | $812 | $3,123-74.0% | $2,787-70.9% | $4,866-83.3% |
| Participant deferral / active EE | $1,331 | $3,993-66.7% | $3,583-62.9% | $5,352-75.1% |
| Admin fee / account holder | $1,618 | $5,694-71.6% | $4,882-66.8% | $9,541-83.0% |