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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 | $46,664 | $78,423-40.5% | $95,964-51.4% | $79,856-41.6% |
| Participation rate | 50.6% | 73.5%-22.9pp | 77.1%-26.5pp | 69.6%-19.0pp |
| Annual return | 335.12% | 19.37%+315.7pp | 91.64%+243.5pp | 31.71%+303.4pp |
| Employer contribution / active EE | $1,811 | $1,945-6.9% | $2,541-28.7% | $2,471-26.7% |
| Participant deferral / active EE | $3,654 | $3,440+6.2% | $4,167-12.3% | $3,741-2.3% |
| Admin fee / account holder | $692 | $5,622-87.7% | $6,797-89.8% | $5,306-87.0% |