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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 | $101,481 | $81,749+24.1% | $58,544+73.3% | $139,456-27.2% |
| Participation rate | 28.6% | 61.3%-32.8pp | 50.9%-22.3pp | 80.3%-51.8pp |
| Annual return | 18.55% | 7425.45%-7406.9pp | 4249.56%-4231.0pp | 373.45%-354.9pp |
| Employer contribution / active EE | $720 | $1,398-48.5% | $1,053-31.6% | $4,753-84.8% |
| Participant deferral / active EE | $2,042 | $2,555-20.1% | $1,923+6.2% | $6,711-69.6% |
| Admin fee / account holder | $1,152 | $3,272-64.8% | $2,520-54.3% | $11,407-89.9% |