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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 | $30,327 | $63,346-52.1% | $92,240-67.1% | $70,126-56.8% |
| Participation rate | 52.3% | 68.7%-16.4pp | 76.5%-24.2pp | 69.5%-17.3pp |
| Annual return | 247.04% | 530.19%-283.2pp | 176.29%+70.7pp | 73.15%+173.9pp |
| Employer contribution / active EE | $2,225 | $2,471-10.0% | $3,680-39.5% | $2,343-5.0% |
| Participant deferral / active EE | $4,462 | $2,854+56.4% | $3,897+14.5% | $3,332+33.9% |
| Admin fee / account holder | $310 | $3,841-91.9% | $5,194-94.0% | $4,645-93.3% |