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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 | $27,444 | $76,634-64.2% | $56,054-51.0% | $145,978-81.2% |
| Participation rate | 62.5% | 63.2%-0.7pp | 52.5%+10.0pp | 80.3%-17.8pp |
| Annual return | 12.17% | 3004.33%-2992.2pp | 1705.95%-1693.8pp | 550.52%-538.3pp |
| Employer contribution / active EE | $2,253 | $1,380+63.2% | $1,039+116.8% | $4,662-51.7% |
| Participant deferral / active EE | $3,708 | $2,622+41.4% | $1,952+89.9% | $6,690-44.6% |
| Admin fee / account holder | $1,091 | $3,321-67.2% | $2,822-61.4% | $13,400-91.9% |