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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 | $54,036 | $101,653-46.8% | $147,080-63.3% | $74,459-27.4% |
| Participation rate | 61.2% | 75.6%-14.4pp | 82.2%-21.0pp | 67.2%-6.0pp |
| Annual return | 16.23% | 8754.98%-8738.7pp | 420.17%-403.9pp | 1369.70%-1353.5pp |
| Employer contribution / active EE | $3,155 | $3,813-17.3% | $4,933-36.1% | $2,626+20.1% |
| Participant deferral / active EE | $5,331 | $7,304-27.0% | $8,066-33.9% | $4,350+22.6% |
| Admin fee / account holder | $1,017 | $1,752-41.9% | $12,989-92.2% | $1,945-47.7% |