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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 | $130,159 | $180,749-28.0% | $160,784-19.0% | $137,256-5.2% |
| Participation rate | 40.0% | 80.0%-40.0pp | 77.0%-37.0pp | 80.0%-40.0pp |
| Annual return | 11.39% | 2234.46%-2223.1pp | 1803.92%-1792.5pp | 220.34%-208.9pp |
| Employer contribution / active EE | $1,555 | $4,155-62.6% | $3,733-58.4% | $4,156-62.6% |
| Participant deferral / active EE | $3,574 | $6,844-47.8% | $6,293-43.2% | $6,407-44.2% |
| Admin fee / account holder | $28,826 | $10,397+177.3% | $9,717+196.7% | $12,270+134.9% |