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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 | $138,439 | $100,938+37.2% | $90,461+53.0% | $158,982-12.9% |
| Participation rate | 33.3% | 75.0%-41.7pp | 72.7%-39.4pp | 82.0%-48.6pp |
| Annual return | 7.31% | 1727.20%-1719.9pp | 1294.76%-1287.5pp | 302.99%-295.7pp |
| Employer contribution / active EE | $1,765 | $3,691-52.2% | $3,264-45.9% | $4,763-62.9% |
| Participant deferral / active EE | $3,312 | $4,350-23.9% | $3,964-16.5% | $5,983-44.7% |
| Admin fee / account holder | $6,180 | $6,510-5.1% | $5,617+10.0% | $11,252-45.1% |