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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 | $110,335 | $109,872+0.4% | $98,483+12.0% | $167,536-34.1% |
| Participation rate | 42.9% | 75.8%-33.0pp | 73.3%-30.5pp | 82.1%-39.3pp |
| Annual return | 13.55% | 1959.31%-1945.8pp | 1494.38%-1480.8pp | 478.82%-465.3pp |
| Employer contribution / active EE | $857 | $3,225-73.4% | $2,961-71.0% | $4,839-82.3% |
| Participant deferral / active EE | $6,500 | $4,673+39.1% | $4,276+52.0% | $6,342+2.5% |
| Admin fee / account holder | $483 | $6,757-92.9% | $5,953-91.9% | $12,315-96.1% |