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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 | $72,076 | $30,385+137.2% | $56,054+28.6% | $74,400-3.1% |
| Participation rate | 22.4% | 32.9%-10.5pp | 52.5%-30.0pp | 67.2%-44.8pp |
| Annual return | 18.80% | 24.92%-6.1pp | 1705.95%-1687.1pp | 1367.51%-1348.7pp |
| Employer contribution / active EE | $385 | $609-36.8% | $1,039-62.9% | $2,624-85.3% |
| Participant deferral / active EE | $1,170 | $1,174-0.3% | $1,952-40.1% | $4,348-73.1% |
| Admin fee / account holder | $2,009 | $2,361-14.9% | $2,822-28.8% | $1,944+3.4% |