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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 | $55,130 | $100,911-45.4% | $90,440-39.0% | $158,966-65.3% |
| Participation rate | 66.7% | 75.0%-8.4pp | 72.7%-6.0pp | 82.0%-15.3pp |
| Annual return | 11.80% | 1726.62%-1714.8pp | 1294.38%-1282.6pp | 302.95%-291.2pp |
| Employer contribution / active EE | $1,729 | $3,690-53.1% | $3,263-47.0% | $4,762-63.7% |
| Participant deferral / active EE | $9,375 | $4,348+115.6% | $3,964+136.5% | $5,983+56.7% |
| Admin fee / account holder | $981 | $6,507-84.9% | $5,615-82.5% | $11,250-91.3% |