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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 | $68,438 | $76,608-10.7% | $56,077+22.0% | $145,877-53.1% |
| Participation rate | 13.6% | 63.2%-49.6pp | 52.5%-38.9pp | 80.3%-66.7pp |
| Annual return | 26.57% | 3009.59%-2983.0pp | 1709.28%-1682.7pp | 551.28%-524.7pp |
| Employer contribution / active EE | $791 | $1,382-42.7% | $1,040-24.0% | $4,663-83.0% |
| Participant deferral / active EE | $2,820 | $2,624+7.5% | $1,954+44.3% | $6,691-57.9% |
| Admin fee / account holder | $332 | $3,325-90.0% | $2,825-88.2% | $13,402-97.5% |