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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 | $30,680 | $156,963-80.5% | $121,204-74.7% | $139,466-78.0% |
| Participation rate | 57.1% | 76.5%-19.3pp | 69.5%-12.4pp | 80.3%-23.2pp |
| Annual return | 28.01% | 1476.75%-1448.7pp | 987.18%-959.2pp | 373.66%-345.7pp |
| Employer contribution / active EE | $667 | $5,544-88.0% | $4,170-84.0% | $4,754-86.0% |
| Participant deferral / active EE | $5,268 | $4,848+8.7% | $4,083+29.0% | $6,712-21.5% |
| Admin fee / account holder | $582 | $6,953-91.6% | $5,651-89.7% | $11,409-94.9% |