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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 | $146,874 | $96,419+52.3% | $80,648+82.1% | $139,487+5.3% |
| Participation rate | 25.0% | 73.6%-48.6pp | 67.0%-42.0pp | 80.3%-55.3pp |
| Annual return | 14.85% | 1352.86%-1338.0pp | 937.21%-922.4pp | 373.84%-359.0pp |
| Employer contribution / active EE | $1,558 | $3,261-52.2% | $2,724-42.8% | $4,755-67.2% |
| Participant deferral / active EE | $1,843 | $5,225-64.7% | $4,443-58.5% | $6,713-72.5% |
| Admin fee / account holder | $1,230 | $6,605-81.4% | $5,382-77.1% | $11,407-89.2% |