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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 | $74,662 | $65,423+14.1% | $98,477-24.2% | $85,856-13.0% |
| Participation rate | 42.4% | 65.0%-22.6pp | 73.3%-30.9pp | 69.3%-26.9pp |
| Annual return | 13.33% | 21.76%-8.4pp | 1493.59%-1480.3pp | 318.58%-305.3pp |
| Employer contribution / active EE | $541 | $2,168-75.0% | $2,961-81.7% | $2,565-78.9% |
| Participant deferral / active EE | $1,998 | $3,167-36.9% | $4,276-53.3% | $3,952-49.4% |
| Admin fee / account holder | $342 | $4,594-92.6% | $5,951-94.3% | $6,261-94.5% |