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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 | $91,289 | $96,361-5.3% | $80,607+13.3% | $139,456-34.5% |
| Participation rate | 62.5% | 73.6%-11.1pp | 67.0%-4.5pp | 80.3%-17.8pp |
| Annual return | 19.92% | 1350.95%-1331.0pp | 936.11%-916.2pp | 373.45%-353.5pp |
| Employer contribution / active EE | $2,412 | $3,262-26.1% | $2,724-11.4% | $4,753-49.2% |
| Participant deferral / active EE | $5,594 | $5,232+6.9% | $4,448+25.8% | $6,711-16.7% |
| Admin fee / account holder | $737 | $6,601-88.8% | $5,379-86.3% | $11,407-93.5% |