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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 | $80,611 | $57,305+40.7% | $86,640-7.0% | $75,173+7.2% |
| Participation rate | 39.4% | 63.2%-23.8pp | 71.7%-32.3pp | 67.2%-27.8pp |
| Annual return | 16.55% | 2674.24%-2657.7pp | 592.52%-576.0pp | 160.72%-144.2pp |
| Employer contribution / active EE | $598 | $2,316-74.2% | $3,024-80.2% | $2,671-77.6% |
| Participant deferral / active EE | $1,590 | $3,320-52.1% | $4,438-64.2% | $4,126-61.5% |
| Admin fee / account holder | $4,819 | $4,116+17.1% | $5,616-14.2% | $5,651-14.7% |