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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 | $91,391 | $180,749-49.4% | $160,784-43.2% | $137,256-33.4% |
| Participation rate | 61.5% | 80.0%-18.4pp | 77.0%-15.4pp | 80.0%-18.4pp |
| Annual return | 18.08% | 2234.46%-2216.4pp | 1803.92%-1785.8pp | 220.34%-202.3pp |
| Employer contribution / active EE | $1,906 | $4,155-54.1% | $3,733-48.9% | $4,156-54.1% |
| Participant deferral / active EE | $7,718 | $6,844+12.8% | $6,293+22.6% | $6,407+20.5% |
| Admin fee / account holder | $870 | $10,397-91.6% | $9,717-91.0% | $12,270-92.9% |