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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 | $42,288 | $95,406-55.7% | $185,849-77.2% | $85,847-50.7% |
| Participation rate | 63.0% | 68.8%-5.7pp | 81.7%-18.7pp | 69.3%-6.3pp |
| Annual return | 137.89% | 23.59%+114.3pp | 122.10%+15.8pp | 318.61%-180.7pp |
| Employer contribution / active EE | $4,448 | $3,314+34.2% | $5,169-14.0% | $2,565+73.4% |
| Participant deferral / active EE | $6,693 | $3,424+95.5% | $5,569+20.2% | $3,952+69.4% |
| Admin fee / account holder | $1,897 | $7,214-73.7% | $16,244-88.3% | $6,261-69.7% |