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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 | $142,348 | $70,587+101.7% | $124,693+14.2% | $85,856+65.8% |
| Participation rate | 32.0% | 64.4%-32.4pp | 74.6%-42.6pp | 69.3%-37.3pp |
| Annual return | 21.82% | 20688.83%-20667.0pp | 5144.19%-5122.4pp | 318.58%-296.8pp |
| Employer contribution / active EE | $941 | $1,913-50.8% | $3,324-71.7% | $2,565-63.3% |
| Participant deferral / active EE | $1,804 | $2,969-39.2% | $4,615-60.9% | $3,952-54.4% |
| Admin fee / account holder | $4,556 | $5,282-13.8% | $7,494-39.2% | $6,261-27.2% |