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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 | $72,465+13.8% | $67,575+22.1% | $145,884-43.5% |
| Participation rate | 61.9% | 76.9%-15.0pp | 72.9%-11.0pp | 80.3%-18.4pp |
| Annual return | 17.30% | 7222.56%-7205.3pp | 3528.98%-3511.7pp | 551.85%-534.5pp |
| Employer contribution / active EE | $1,115 | $3,074-63.7% | $2,736-59.3% | $4,662-76.1% |
| Participant deferral / active EE | $6,059 | $4,786+26.6% | $4,003+51.3% | $6,690-9.4% |
| Admin fee / account holder | $1,683 | $5,515-69.5% | $3,993-57.8% | $13,392-87.4% |