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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 | $76,345 | $72,403+5.4% | $67,524+13.1% | $145,978-47.7% |
| Participation rate | 47.4% | 76.9%-29.5pp | 72.9%-25.5pp | 80.3%-32.9pp |
| Annual return | 15.21% | 7197.23%-7182.0pp | 3519.41%-3504.2pp | 550.52%-535.3pp |
| Employer contribution / active EE | $1,326 | $3,072-56.8% | $2,734-51.5% | $4,662-71.6% |
| Participant deferral / active EE | $3,860 | $4,782-19.3% | $4,001-3.5% | $6,690-42.3% |
| Admin fee / account holder | $1,532 | $5,541-72.4% | $4,001-61.7% | $13,400-88.6% |