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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 | $24,251 | $52,353-53.7% | $120,225-79.8% | $82,448-70.6% |
| Participation rate | 60.5% | 58.3%+2.2pp | 69.6%-9.1pp | 68.1%-7.6pp |
| Annual return | 22.08% | 61.85%-39.8pp | 439.23%-417.1pp | 41.64%-19.6pp |
| Employer contribution / active EE | $4,302 | $1,510+184.9% | $3,475+23.8% | $2,551+68.6% |
| Participant deferral / active EE | $1,767 | $2,627-32.7% | $3,999-55.8% | $4,139-57.3% |
| Admin fee / account holder | $592 | $4,363-86.4% | $5,696-89.6% | $7,234-91.8% |