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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 | $68,619 | $53,063+29.3% | $124,206-44.8% | $82,637-17.0% |
| Participation rate | 29.3% | 58.4%-29.1pp | 69.6%-40.3pp | 68.1%-38.7pp |
| Annual return | 15.18% | 68.87%-53.7pp | 515.27%-500.1pp | 53.51%-38.3pp |
| Employer contribution / active EE | $1,309 | $1,530-14.5% | $3,540-63.0% | $2,552-48.7% |
| Participant deferral / active EE | $2,527 | $2,644-4.4% | $3,968-36.3% | $4,126-38.8% |
| Admin fee / account holder | $368 | $4,281-91.4% | $5,929-93.8% | $7,339-95.0% |