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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 | $59,854 | $78,707-24.0% | $117,861-49.2% | $70,126-14.6% |
| Participation rate | 64.3% | 73.2%-8.9pp | 79.7%-15.4pp | 69.5%-5.3pp |
| Annual return | 57.85% | 23.30%+34.6pp | 335.11%-277.3pp | 73.15%-15.3pp |
| Employer contribution / active EE | $1,239 | $2,223-44.3% | $3,786-67.3% | $2,343-47.1% |
| Participant deferral / active EE | $3,656 | $3,297+10.9% | $4,482-18.4% | $3,332+9.7% |
| Admin fee / account holder | $2,430 | $5,066-52.0% | $8,021-69.7% | $4,645-47.7% |