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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 | $136,181 | $73,421+85.5% | $66,439+105.0% | $155,188-12.2% |
| Participation rate | 20.0% | 79.7%-59.7pp | 74.5%-54.5pp | 80.8%-60.8pp |
| Annual return | 19.24% | 1382.37%-1363.1pp | 757.66%-738.4pp | 148.84%-129.6pp |
| Employer contribution / active EE | $328 | $3,039-89.2% | $2,637-87.6% | $4,248-92.3% |
| Participant deferral / active EE | $3,505 | $4,680-25.1% | $3,876-9.6% | $6,531-46.3% |
| Admin fee / account holder | $1,250 | $8,856-85.9% | $6,173-79.8% | $14,480-91.4% |