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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 | $63,325 | $100,938-37.3% | $90,461-30.0% | $158,982-60.2% |
| Participation rate | 64.3% | 75.0%-10.7pp | 72.7%-8.4pp | 82.0%-17.7pp |
| Annual return | 8.88% | 1727.20%-1718.3pp | 1294.76%-1285.9pp | 302.99%-294.1pp |
| Employer contribution / active EE | $1,572 | $3,691-57.4% | $3,264-51.8% | $4,763-67.0% |
| Participant deferral / active EE | $4,636 | $4,350+6.6% | $3,964+16.9% | $5,983-22.5% |
| Admin fee / account holder | $813 | $6,510-87.5% | $5,617-85.5% | $11,252-92.8% |