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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 | $72,403-24.7% | $67,524-19.2% | $145,978-62.6% |
| Participation rate | 61.9% | 76.9%-15.0pp | 72.9%-11.0pp | 80.3%-18.4pp |
| Annual return | 14.20% | 7197.23%-7183.0pp | 3519.41%-3505.2pp | 550.52%-536.3pp |
| Employer contribution / active EE | $2,858 | $3,072-7.0% | $2,734+4.5% | $4,662-38.7% |
| Participant deferral / active EE | $3,423 | $4,782-28.4% | $4,001-14.5% | $6,690-48.8% |
| Admin fee / account holder | $3,862 | $5,541-30.3% | $4,001-3.5% | $13,400-71.2% |