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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 | $27,797 | $63,346-56.1% | $92,240-69.9% | $70,126-60.4% |
| Participation rate | 57.4% | 68.7%-11.3pp | 76.5%-19.1pp | 69.5%-12.1pp |
| Annual return | 24.20% | 530.19%-506.0pp | 176.29%-152.1pp | 73.15%-48.9pp |
| Employer contribution / active EE | $3,990 | $2,471+61.4% | $3,680+8.4% | $2,343+70.3% |
| Participant deferral / active EE | $2,459 | $2,854-13.8% | $3,897-36.9% | $3,332-26.2% |
| Admin fee / account holder | $1,107 | $3,841-71.2% | $5,194-78.7% | $4,645-76.2% |