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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 | $53,664 | $29,319+83.0% | $52,425+2.4% | $82,448-34.9% |
| Participation rate | 21.3% | 46.9%-25.5pp | 55.6%-34.3pp | 68.1%-46.7pp |
| Annual return | 22.28% | 535.20%-512.9pp | 302.12%-279.8pp | 41.64%-19.4pp |
| Employer contribution / active EE | $491 | $586-16.3% | $914-46.3% | $2,551-80.8% |
| Participant deferral / active EE | $1,935 | $1,171+65.2% | $1,790+8.1% | $4,139-53.3% |
| Admin fee / account holder | $492 | $1,962-74.9% | $2,495-80.3% | $7,234-93.2% |