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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 | $244,225 | $72,446+237.1% | $67,561+261.5% | $145,877+67.4% |
| Participation rate | 50.0% | 76.9%-26.9pp | 72.9%-22.9pp | 80.3%-30.3pp |
| Annual return | 13.27% | 7211.98%-7198.7pp | 3525.44%-3512.2pp | 551.28%-538.0pp |
| Employer contribution / active EE | $766 | $3,072-75.1% | $2,735-72.0% | $4,663-83.6% |
| Participant deferral / active EE | $7,641 | $4,785+59.7% | $4,003+90.9% | $6,691+14.2% |
| Admin fee / account holder | $586 | $5,541-89.4% | $4,006-85.4% | $13,402-95.6% |