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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 | $65,275 | $54,674+19.4% | $76,089-14.2% | $74,429-12.3% |
| Participation rate | 30.6% | 60.3%-29.8pp | 69.1%-38.5pp | 67.2%-36.6pp |
| Annual return | 19.18% | 31.89%-12.7pp | 360.94%-341.8pp | 1368.38%-1349.2pp |
| Employer contribution / active EE | $668 | $1,781-62.5% | $2,690-75.2% | $2,625-74.5% |
| Participant deferral / active EE | $1,501 | $3,071-51.1% | $4,259-64.8% | $4,348-65.5% |
| Admin fee / account holder | $1,751 | $2,238-21.7% | $6,418-72.7% | $1,944-9.9% |