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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 | $45,110 | $76,522-41.0% | $56,033-19.5% | $145,884-69.1% |
| Participation rate | 66.7% | 63.2%+3.4pp | 52.5%+14.2pp | 80.3%-13.6pp |
| Annual return | 27.18% | 3014.28%-2987.1pp | 1711.38%-1684.2pp | 551.85%-524.7pp |
| Employer contribution / active EE | $14,463 | $1,382+946.3% | $1,041+1289.5% | $4,662+210.2% |
| Participant deferral / active EE | $5,549 | $2,624+111.5% | $1,954+184.0% | $6,690-17.1% |
| Admin fee / account holder | $1,026 | $3,328-69.2% | $2,827-63.7% | $13,392-92.3% |