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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 | $76,522-28.1% | $56,033-1.8% | $145,884-62.3% |
| Participation rate | 35.3% | 63.2%-27.9pp | 52.5%-17.2pp | 80.3%-45.0pp |
| Annual return | 14.06% | 3014.28%-3000.2pp | 1711.38%-1697.3pp | 551.85%-537.8pp |
| Employer contribution / active EE | $575 | $1,382-58.4% | $1,041-44.7% | $4,662-87.7% |
| Participant deferral / active EE | $2,496 | $2,624-4.9% | $1,954+27.8% | $6,690-62.7% |
| Admin fee / account holder | $1,746 | $3,328-47.6% | $2,827-38.3% | $13,392-87.0% |