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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 | $75,143 | $100,938-25.6% | $90,461-16.9% | $158,982-52.7% |
| Participation rate | 50.0% | 75.0%-25.0pp | 72.7%-22.7pp | 82.0%-32.0pp |
| Annual return | 11.95% | 1727.20%-1715.3pp | 1294.76%-1282.8pp | 302.99%-291.0pp |
| Employer contribution / active EE | $1,098 | $3,691-70.3% | $3,264-66.4% | $4,763-77.0% |
| Participant deferral / active EE | $1,966 | $4,350-54.8% | $3,964-50.4% | $5,983-67.1% |
| Admin fee / account holder | $843 | $6,510-87.0% | $5,617-85.0% | $11,252-92.5% |