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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 | $96,933 | $76,522+26.7% | $56,033+73.0% | $145,884-33.6% |
| Participation rate | 65.0% | 63.2%+1.8pp | 52.5%+12.5pp | 80.3%-15.3pp |
| Annual return | 28.74% | 3014.28%-2985.5pp | 1711.38%-1682.6pp | 551.85%-523.1pp |
| Employer contribution / active EE | $316 | $1,382-77.1% | $1,041-69.7% | $4,662-93.2% |
| Participant deferral / active EE | $1,894 | $2,624-27.8% | $1,954-3.1% | $6,690-71.7% |
| Admin fee / account holder | $2,705 | $3,328-18.7% | $2,827-4.3% | $13,392-79.8% |