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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 | $26,712 | $124,175-78.5% | $108,405-75.4% | $167,553-84.1% |
| Participation rate | 52.4% | 82.3%-29.9pp | 80.1%-27.8pp | 82.1%-29.7pp |
| Annual return | 17.68% | 1380.13%-1362.4pp | 905.55%-887.9pp | 478.89%-461.2pp |
| Employer contribution / active EE | $2,495 | $4,188-40.4% | $3,559-29.9% | $4,840-48.5% |
| Participant deferral / active EE | $4,459 | $6,908-35.5% | $6,563-32.1% | $6,343-29.7% |
| Admin fee / account holder | $3,949 | $9,457-58.2% | $7,297-45.9% | $12,316-67.9% |