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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 | $88,754+79.3% | $81,820+94.5% | $145,877+9.1% |
| Participation rate | 66.7% | 75.1%-8.4pp | 72.4%-5.7pp | 80.3%-13.6pp |
| Annual return | 13.20% | 1031.77%-1018.6pp | 777.93%-764.7pp | 551.28%-538.1pp |
| Employer contribution / active EE | $1,230 | $3,085-60.1% | $2,915-57.8% | $4,663-73.6% |
| Participant deferral / active EE | $10,477 | $4,648+125.4% | $4,323+142.4% | $6,691+56.6% |
| Admin fee / account holder | $729 | $8,424-91.4% | $7,391-90.1% | $13,402-94.6% |