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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 | $78,854 | $76,519+3.1% | $56,025+40.7% | $145,897-46.0% |
| Participation rate | 27.8% | 63.2%-35.5pp | 52.5%-24.7pp | 80.3%-52.5pp |
| Annual return | 27.95% | 3017.03%-2989.1pp | 1712.69%-1684.7pp | 552.29%-524.3pp |
| Employer contribution / active EE | $629 | $1,383-54.5% | $1,042-39.6% | $4,663-86.5% |
| Participant deferral / active EE | $3,055 | $2,624+16.4% | $1,955+56.3% | $6,689-54.3% |
| Admin fee / account holder | $3,745 | $3,331+12.4% | $2,828+32.4% | $13,390-72.0% |