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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 | $106,796 | $100,938+5.8% | $90,461+18.1% | $158,982-32.8% |
| Participation rate | 50.0% | 75.0%-25.0pp | 72.7%-22.7pp | 82.0%-32.0pp |
| Annual return | 11.73% | 1727.20%-1715.5pp | 1294.76%-1283.0pp | 302.99%-291.3pp |
| Employer contribution / active EE | $925 | $3,691-75.0% | $3,264-71.7% | $4,763-80.6% |
| Participant deferral / active EE | $2,726 | $4,350-37.3% | $3,964-31.2% | $5,983-54.4% |
| Admin fee / account holder | $29,125 | $6,510+347.4% | $5,617+418.6% | $11,252+158.9% |