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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 | $96,008 | $104,577-8.2% | $76,667+25.2% | $152,909-37.2% |
| Participation rate | 58.3% | 76.6%-18.3pp | 72.1%-13.8pp | 82.5%-24.1pp |
| Annual return | 19.42% | 1014.36%-994.9pp | 1166.74%-1147.3pp | 345.46%-326.0pp |
| Employer contribution / active EE | $1,099 | $3,119-64.8% | $2,303-52.3% | $4,764-76.9% |
| Participant deferral / active EE | $1,945 | $4,237-54.1% | $3,336-41.7% | $5,851-66.8% |
| Admin fee / account holder | $8,824 | $12,290-28.2% | $6,423+37.4% | $11,601-23.9% |