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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 | $69,769 | $60,393+15.5% | $81,820-14.7% | $74,429-6.3% |
| Participation rate | 50.3% | 62.9%-12.6pp | 72.4%-22.1pp | 67.2%-16.9pp |
| Annual return | 14.69% | 16.89%-2.2pp | 777.93%-763.2pp | 1368.38%-1353.7pp |
| Employer contribution / active EE | $1,063 | $2,626-59.5% | $2,915-63.5% | $2,625-59.5% |
| Participant deferral / active EE | $3,116 | $3,397-8.3% | $4,323-27.9% | $4,348-28.3% |
| Admin fee / account holder | $7,218 | $1,491+384.2% | $7,391-2.3% | $1,944+271.2% |