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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 | $76,785-28.4% | $56,441-2.5% | $145,959-62.3% |
| Participation rate | 35.3% | 63.2%-28.0pp | 52.5%-17.2pp | 80.3%-45.0pp |
| Annual return | 14.06% | 3000.51%-2986.5pp | 1704.21%-1690.2pp | 561.95%-547.9pp |
| Employer contribution / active EE | $575 | $1,381-58.3% | $1,039-44.6% | $4,661-87.7% |
| Participant deferral / active EE | $2,496 | $2,624-4.8% | $1,953+27.8% | $6,689-62.7% |
| Admin fee / account holder | $1,746 | $3,334-47.6% | $2,829-38.3% | $13,398-87.0% |