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 | $53,535 | $102,723-47.9% | $86,251-37.9% | $139,500-61.6% |
| Participation rate | 50.0% | 74.5%-24.5pp | 69.0%-19.0pp | 80.3%-30.3pp |
| Annual return | 18.34% | 1926.99%-1908.6pp | 1170.54%-1152.2pp | 373.99%-355.6pp |
| Employer contribution / active EE | $4,443 | $3,034+46.4% | $2,381+86.6% | $4,755-6.6% |
| Participant deferral / active EE | $5,069 | $4,679+8.3% | $3,987+27.1% | $6,713-24.5% |
| Admin fee / account holder | $542 | $8,670-93.8% | $6,857-92.1% | $11,410-95.3% |