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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 | $159,169 | $88,815+79.2% | $81,882+94.4% | $145,897+9.1% |
| Participation rate | 66.7% | 75.1%-8.4pp | 72.4%-5.7pp | 80.3%-13.6pp |
| Annual return | 13.20% | 1033.75%-1020.5pp | 779.47%-766.3pp | 552.29%-539.1pp |
| Employer contribution / active EE | $1,230 | $3,086-60.1% | $2,916-57.8% | $4,663-73.6% |
| Participant deferral / active EE | $10,477 | $4,647+125.4% | $4,323+142.3% | $6,689+56.6% |
| Admin fee / account holder | $729 | $8,434-91.4% | $7,360-90.1% | $13,390-94.6% |