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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 | $82,481 | $72,426+13.9% | $67,560+22.1% | $145,897-43.5% |
| Participation rate | 61.9% | 76.9%-15.0pp | 72.9%-11.0pp | 80.3%-18.4pp |
| Annual return | 17.30% | 7226.78%-7209.5pp | 3533.50%-3516.2pp | 552.29%-535.0pp |
| Employer contribution / active EE | $1,115 | $3,074-63.7% | $2,737-59.3% | $4,663-76.1% |
| Participant deferral / active EE | $6,059 | $4,785+26.6% | $4,004+51.3% | $6,689-9.4% |
| Admin fee / account holder | $1,683 | $5,514-69.5% | $3,994-57.9% | $13,390-87.4% |