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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 | $72,611 | $85,766-15.3% | $136,298-46.7% | $70,126+3.5% |
| Participation rate | 52.1% | 74.2%-22.1pp | 81.9%-29.9pp | 69.5%-17.5pp |
| Annual return | 20.13% | 31.46%-11.3pp | 5156.27%-5136.1pp | 73.15%-53.0pp |
| Employer contribution / active EE | $990 | $2,966-66.6% | $4,696-78.9% | $2,343-57.7% |
| Participant deferral / active EE | $3,667 | $5,051-27.4% | $6,247-41.3% | $3,332+10.1% |
| Admin fee / account holder | $1,982 | $5,421-63.4% | $9,244-78.6% | $4,645-57.3% |