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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 | $147,555 | $76,519+92.8% | $56,025+163.4% | $145,897+1.1% |
| Participation rate | 35.3% | 63.2%-27.9pp | 52.5%-17.2pp | 80.3%-45.0pp |
| Annual return | 17.88% | 3017.03%-2999.1pp | 1712.69%-1694.8pp | 552.29%-534.4pp |
| Employer contribution / active EE | $611 | $1,383-55.8% | $1,042-41.3% | $4,663-86.9% |
| Participant deferral / active EE | $4,206 | $2,624+60.3% | $1,955+115.2% | $6,689-37.1% |
| Admin fee / account holder | $18,354 | $3,331+451.1% | $2,828+548.9% | $13,390+37.1% |