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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 | $72,465+237.0% | $67,575+261.4% | $145,884+67.4% |
| Participation rate | 50.0% | 76.9%-26.9pp | 72.9%-22.9pp | 80.3%-30.3pp |
| Annual return | 13.27% | 7222.56%-7209.3pp | 3528.98%-3515.7pp | 551.85%-538.6pp |
| Employer contribution / active EE | $766 | $3,074-75.1% | $2,736-72.0% | $4,662-83.6% |
| Participant deferral / active EE | $7,641 | $4,786+59.7% | $4,003+90.9% | $6,690+14.2% |
| Admin fee / account holder | $586 | $5,515-89.4% | $3,993-85.3% | $13,392-95.6% |