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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 | $54,690+19.4% | $76,030-14.1% | $74,478-12.4% |
| Participation rate | 30.6% | 60.3%-29.8pp | 69.1%-38.5pp | 67.2%-36.6pp |
| Annual return | 19.18% | 31.92%-12.7pp | 361.54%-342.4pp | 1370.56%-1351.4pp |
| Employer contribution / active EE | $668 | $1,781-62.5% | $2,688-75.1% | $2,626-74.6% |
| Participant deferral / active EE | $1,501 | $3,070-51.1% | $4,257-64.7% | $4,350-65.5% |
| Admin fee / account holder | $1,751 | $2,240-21.8% | $6,421-72.7% | $1,946-10.0% |