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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 | $32,782 | $63,346-48.2% | $92,240-64.5% | $70,126-53.3% |
| Participation rate | 68.6% | 68.7%-0.1pp | 76.5%-7.9pp | 69.5%-1.0pp |
| Annual return | 14.32% | 530.19%-515.9pp | 176.29%-162.0pp | 73.15%-58.8pp |
| Employer contribution / active EE | $9,928 | $2,471+301.8% | $3,680+169.8% | $2,343+323.8% |
| Participant deferral / active EE | $1,432 | $2,854-49.8% | $3,897-63.2% | $3,332-57.0% |
| Admin fee / account holder | $5,126 | $3,841+33.5% | $5,194-1.3% | $4,645+10.3% |