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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 | $137,827 | $109,872+25.4% | $98,483+39.9% | $167,536-17.7% |
| Participation rate | 68.4% | 75.8%-7.4pp | 73.3%-4.9pp | 82.1%-13.7pp |
| Annual return | 15.22% | 1959.31%-1944.1pp | 1494.38%-1479.2pp | 478.82%-463.6pp |
| Employer contribution / active EE | $1,525 | $3,225-52.7% | $2,961-48.5% | $4,839-68.5% |
| Participant deferral / active EE | $6,558 | $4,673+40.3% | $4,276+53.4% | $6,342+3.4% |
| Admin fee / account holder | $520 | $6,757-92.3% | $5,953-91.3% | $12,315-95.8% |