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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 | $55,009 | $76,519-28.1% | $56,025-1.8% | $145,897-62.3% |
| Participation rate | 35.3% | 63.2%-27.9pp | 52.5%-17.2pp | 80.3%-45.0pp |
| Annual return | 14.06% | 3017.03%-3003.0pp | 1712.69%-1698.6pp | 552.29%-538.2pp |
| Employer contribution / active EE | $575 | $1,383-58.4% | $1,042-44.8% | $4,663-87.7% |
| Participant deferral / active EE | $2,496 | $2,624-4.9% | $1,955+27.7% | $6,689-62.7% |
| Admin fee / account holder | $1,746 | $3,331-47.6% | $2,828-38.3% | $13,390-87.0% |