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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 | $44,546 | $103,038-56.8% | $90,324-50.7% | $152,909-70.9% |
| Participation rate | 64.3% | 75.9%-11.6pp | 73.3%-9.0pp | 82.5%-18.2pp |
| Annual return | 360.28% | 95.25%+265.0pp | 78.15%+282.1pp | 345.46%+14.8pp |
| Employer contribution / active EE | $1,571 | $3,141-50.0% | $2,856-45.0% | $4,764-67.0% |
| Participant deferral / active EE | $4,541 | $4,282+6.1% | $3,885+16.9% | $5,851-22.4% |
| Admin fee / account holder | $684 | $6,177-88.9% | $5,356-87.2% | $11,601-94.1% |