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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 | $53,324 | $76,519-30.3% | $56,025-4.8% | $145,897-63.5% |
| Participation rate | 19.0% | 63.2%-44.2pp | 52.5%-33.5pp | 80.3%-61.3pp |
| Annual return | 25.54% | 3017.03%-2991.5pp | 1712.69%-1687.1pp | 552.29%-526.8pp |
| Employer contribution / active EE | $678 | $1,383-51.0% | $1,042-34.9% | $4,663-85.5% |
| Participant deferral / active EE | $2,817 | $2,624+7.3% | $1,955+44.1% | $6,689-57.9% |
| Admin fee / account holder | $1,861 | $3,331-44.1% | $2,828-34.2% | $13,390-86.1% |