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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 | $68,948 | $45,152+52.7% | $73,836-6.6% | $59,633+15.6% |
| Participation rate | 60.0% | 64.0%-4.0pp | 73.4%-13.4pp | 68.7%-8.7pp |
| Annual return | 1.16% | 27.40%-26.2pp | 2268.06%-2266.9pp | 2041.45%-2040.3pp |
| Employer contribution / active EE | $311 | $1,901-83.6% | $2,787-88.8% | $2,203-85.9% |
| Participant deferral / active EE | $1,668 | $2,573-35.2% | $3,583-53.4% | $3,192-47.7% |
| Admin fee / account holder | $4,488 | $3,515+27.7% | $4,882-8.1% | $4,297+4.4% |