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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 | $27,583 | $81,763-66.3% | $58,561-52.9% | $139,466-80.2% |
| Participation rate | 58.3% | 61.3%-3.0pp | 50.9%+7.5pp | 80.3%-22.0pp |
| Annual return | 23.85% | 7427.77%-7403.9pp | 4251.33%-4227.5pp | 373.66%-349.8pp |
| Employer contribution / active EE | $765 | $1,398-45.3% | $1,053-27.4% | $4,754-83.9% |
| Participant deferral / active EE | $2,651 | $2,555+3.8% | $1,923+37.8% | $6,712-60.5% |
| Admin fee / account holder | $1,172 | $3,273-64.2% | $2,520-53.5% | $11,409-89.7% |