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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 | $76,271 | $197,625-61.4% | $177,840-57.1% | $158,966-52.0% |
| Participation rate | 54.5% | 88.5%-34.0pp | 87.7%-33.2pp | 82.0%-27.4pp |
| Annual return | 746.69% | 58.76%+687.9pp | 48.32%+698.4pp | 302.95%+443.7pp |
| Employer contribution / active EE | $0 | $6,698-100.0% | $5,919-100.0% | $4,762-100.0% |
| Participant deferral / active EE | $7,480 | $8,405-11.0% | $7,714-3.0% | $5,983+25.0% |
| Admin fee / account holder | $7,231 | $15,405-53.1% | $12,431-41.8% | $11,250-35.7% |