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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 | $89,001 | $88,815+0.2% | $81,882+8.7% | $145,897-39.0% |
| Participation rate | 50.0% | 75.1%-25.1pp | 72.4%-22.4pp | 80.3%-30.3pp |
| Annual return | 23.01% | 1033.75%-1010.7pp | 779.47%-756.5pp | 552.29%-529.3pp |
| Employer contribution / active EE | $1,041 | $3,086-66.3% | $2,916-64.3% | $4,663-77.7% |
| Participant deferral / active EE | $5,417 | $4,647+16.6% | $4,323+25.3% | $6,689-19.0% |
| Admin fee / account holder | $613 | $8,434-92.7% | $7,360-91.7% | $13,390-95.4% |