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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 | $153,857 | $88,754+73.4% | $81,820+88.0% | $145,877+5.5% |
| Participation rate | 56.3% | 75.1%-18.8pp | 72.4%-16.1pp | 80.3%-24.1pp |
| Annual return | 14.10% | 1031.77%-1017.7pp | 777.93%-763.8pp | 551.28%-537.2pp |
| Employer contribution / active EE | $1,461 | $3,085-52.7% | $2,915-49.9% | $4,663-68.7% |
| Participant deferral / active EE | $4,655 | $4,648+0.2% | $4,323+7.7% | $6,691-30.4% |
| Admin fee / account holder | $12,284 | $8,424+45.8% | $7,391+66.2% | $13,402-8.3% |