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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 | $36,053 | $60,139-40.1% | $90,461-60.1% | $79,856-54.9% |
| Participation rate | 55.8% | 65.0%-9.2pp | 72.7%-16.9pp | 69.6%-13.8pp |
| Annual return | 65.97% | 71.96%-6.0pp | 1294.76%-1228.8pp | 31.71%+34.3pp |
| Employer contribution / active EE | $1,508 | $2,069-27.1% | $3,264-53.8% | $2,471-39.0% |
| Participant deferral / active EE | $2,672 | $2,939-9.1% | $3,964-32.6% | $3,741-28.6% |
| Admin fee / account holder | $553 | $3,978-86.1% | $5,617-90.2% | $5,306-89.6% |