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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 | $140,908 | $76,519+84.1% | $56,025+151.5% | $145,897-3.4% |
| Participation rate | 60.0% | 63.2%-3.2pp | 52.5%+7.5pp | 80.3%-20.3pp |
| Annual return | 14.08% | 3017.03%-3002.9pp | 1712.69%-1698.6pp | 552.29%-538.2pp |
| Employer contribution / active EE | $0 | $1,383-100.0% | $1,042-100.0% | $4,663-100.0% |
| Participant deferral / active EE | $5,409 | $2,624+106.1% | $1,955+176.7% | $6,689-19.1% |
| Admin fee / account holder | $4,187 | $3,331+25.7% | $2,828+48.0% | $13,390-68.7% |