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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 | $181,810 | $100,938+80.1% | $90,461+101.0% | $158,982+14.4% |
| Participation rate | 61.5% | 75.0%-13.5pp | 72.7%-11.2pp | 82.0%-20.4pp |
| Annual return | 16.46% | 1727.20%-1710.7pp | 1294.76%-1278.3pp | 302.99%-286.5pp |
| Employer contribution / active EE | $1,681 | $3,691-54.5% | $3,264-48.5% | $4,763-64.7% |
| Participant deferral / active EE | $5,674 | $4,350+30.4% | $3,964+43.1% | $5,983-5.2% |
| Admin fee / account holder | $3,833 | $6,510-41.1% | $5,617-31.8% | $11,252-65.9% |