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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 | $52,097 | $60,119-13.3% | $90,430-42.4% | $79,858-34.8% |
| Participation rate | 64.4% | 65.0%-0.5pp | 72.7%-8.2pp | 69.6%-5.2pp |
| Annual return | 17.56% | 71.94%-54.4pp | 1293.73%-1276.2pp | 31.72%-14.2pp |
| Employer contribution / active EE | $1,236 | $2,068-40.2% | $3,262-62.1% | $2,471-50.0% |
| Participant deferral / active EE | $4,570 | $2,938+55.5% | $3,963+15.3% | $3,740+22.2% |
| Admin fee / account holder | $4,504 | $3,976+13.3% | $5,613-19.8% | $5,306-15.1% |