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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 | $28,792 | $65,555-56.1% | $86,216-66.6% | $75,173-61.7% |
| Participation rate | 60.3% | 60.5%-0.2pp | 69.0%-8.7pp | 67.2%-6.9pp |
| Annual return | 48.61% | 46.07%+2.5pp | 1169.42%-1120.8pp | 160.72%-112.1pp |
| Employer contribution / active EE | $3,719 | $1,553+139.4% | $2,382+56.2% | $2,671+39.3% |
| Participant deferral / active EE | $7,264 | $3,023+140.3% | $3,986+82.2% | $4,126+76.1% |
| Admin fee / account holder | $2,012 | $5,469-63.2% | $6,853-70.6% | $5,651-64.4% |