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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 | $83,746 | $60,261+39.0% | $81,783+2.4% | $74,546+12.3% |
| Participation rate | 35.6% | 62.9%-27.3pp | 72.4%-36.8pp | 67.2%-31.6pp |
| Annual return | 15.65% | 16.88%-1.2pp | 775.05%-759.4pp | 1366.03%-1350.4pp |
| Employer contribution / active EE | $873 | $2,622-66.7% | $2,913-70.0% | $2,624-66.7% |
| Participant deferral / active EE | $2,774 | $3,388-18.1% | $4,320-35.8% | $4,347-36.2% |
| Admin fee / account holder | $3,086 | $1,482+108.2% | $7,380-58.2% | $1,944+58.8% |