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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 | $72,426+5.4% | $67,560+13.0% | $145,897-47.7% |
| Participation rate | 47.4% | 76.9%-29.5pp | 72.9%-25.6pp | 80.3%-32.9pp |
| Annual return | 15.21% | 7226.78%-7211.6pp | 3533.50%-3518.3pp | 552.29%-537.1pp |
| Employer contribution / active EE | $1,326 | $3,074-56.9% | $2,737-51.5% | $4,663-71.6% |
| Participant deferral / active EE | $3,860 | $4,785-19.3% | $4,004-3.6% | $6,689-42.3% |
| Admin fee / account holder | $1,532 | $5,514-72.2% | $3,994-61.6% | $13,390-88.6% |