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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 | $60,155 | $81,749-26.4% | $58,544+2.8% | $139,456-56.9% |
| Participation rate | 50.0% | 61.3%-11.3pp | 50.9%-0.9pp | 80.3%-30.3pp |
| Annual return | 14.09% | 7425.45%-7411.4pp | 4249.56%-4235.5pp | 373.45%-359.4pp |
| Employer contribution / active EE | $1,015 | $1,398-27.4% | $1,053-3.6% | $4,753-78.6% |
| Participant deferral / active EE | $5,364 | $2,555+109.9% | $1,923+178.9% | $6,711-20.1% |
| Admin fee / account holder | $2,875 | $3,272-12.1% | $2,520+14.1% | $11,407-74.8% |