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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 | $72,930 | $76,634-4.8% | $56,054+30.1% | $145,978-50.0% |
| Participation rate | 66.7% | 63.2%+3.4pp | 52.5%+14.2pp | 80.3%-13.6pp |
| Annual return | 18.08% | 3004.33%-2986.2pp | 1705.95%-1687.9pp | 550.52%-532.4pp |
| Employer contribution / active EE | $1,132 | $1,380-18.0% | $1,039+9.0% | $4,662-75.7% |
| Participant deferral / active EE | $5,761 | $2,622+119.7% | $1,952+195.1% | $6,690-13.9% |
| Admin fee / account holder | $2,327 | $3,321-30.0% | $2,822-17.6% | $13,400-82.6% |