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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 | $105,545 | $101,672+3.8% | $147,117-28.3% | $74,478+41.7% |
| Participation rate | 52.1% | 75.5%-23.5pp | 82.2%-30.1pp | 67.2%-15.2pp |
| Annual return | 13.11% | 8757.83%-8744.7pp | 420.54%-407.4pp | 1370.56%-1357.4pp |
| Employer contribution / active EE | $1,766 | $3,813-53.7% | $4,932-64.2% | $2,626-32.7% |
| Participant deferral / active EE | $3,709 | $7,305-49.2% | $8,065-54.0% | $4,350-14.7% |
| Admin fee / account holder | $6,358 | $1,753+262.7% | $12,993-51.1% | $1,946+226.8% |