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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 | $106,844 | $100,938+5.9% | $90,461+18.1% | $158,982-32.8% |
| Participation rate | 63.6% | 75.0%-11.4pp | 72.7%-9.1pp | 82.0%-18.3pp |
| Annual return | 14.24% | 1727.20%-1713.0pp | 1294.76%-1280.5pp | 302.99%-288.7pp |
| Employer contribution / active EE | $1,649 | $3,691-55.3% | $3,264-49.5% | $4,763-65.4% |
| Participant deferral / active EE | $2,148 | $4,350-50.6% | $3,964-45.8% | $5,983-64.1% |
| Admin fee / account holder | $1,136 | $6,510-82.5% | $5,617-79.8% | $11,252-89.9% |