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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 | $71,978 | $96,388-25.3% | $80,627-10.7% | $139,466-48.4% |
| Participation rate | 25.0% | 73.6%-48.6pp | 67.0%-42.0pp | 80.3%-55.3pp |
| Annual return | 14.70% | 1352.08%-1337.4pp | 936.76%-922.1pp | 373.66%-359.0pp |
| Employer contribution / active EE | $1,455 | $3,260-55.4% | $2,723-46.5% | $4,754-69.4% |
| Participant deferral / active EE | $8,242 | $5,224+57.7% | $4,443+85.5% | $6,712+22.8% |
| Admin fee / account holder | $961 | $6,603-85.5% | $5,381-82.1% | $11,409-91.6% |