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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 | $54,535 | $72,396-24.7% | $67,511-19.2% | $145,959-62.6% |
| Participation rate | 61.9% | 76.9%-15.0pp | 72.9%-11.0pp | 80.3%-18.4pp |
| Annual return | 14.20% | 7194.07%-7179.9pp | 3517.41%-3503.2pp | 561.95%-547.8pp |
| Employer contribution / active EE | $2,858 | $3,071-6.9% | $2,733+4.6% | $4,661-38.7% |
| Participant deferral / active EE | $3,423 | $4,781-28.4% | $4,000-14.4% | $6,689-48.8% |
| Admin fee / account holder | $3,862 | $5,538-30.3% | $3,999-3.4% | $13,398-71.2% |