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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 | $41,496 | $57,330-27.6% | $86,656-52.1% | $75,177-44.8% |
| Participation rate | 63.9% | 63.2%+0.7pp | 71.7%-7.8pp | 67.2%-3.3pp |
| Annual return | 17.45% | 2675.40%-2657.9pp | 593.09%-575.6pp | 160.75%-143.3pp |
| Employer contribution / active EE | $1,231 | $2,316-46.8% | $3,025-59.3% | $2,671-53.9% |
| Participant deferral / active EE | $2,728 | $3,320-17.8% | $4,439-38.6% | $4,126-33.9% |
| Admin fee / account holder | $2,806 | $4,115-31.8% | $5,619-50.1% | $5,651-50.3% |