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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 | $38,855 | $57,330-32.2% | $86,656-55.2% | $75,177-48.3% |
| Participation rate | 56.4% | 63.2%-6.8pp | 71.7%-15.3pp | 67.2%-10.8pp |
| Annual return | 15.03% | 2675.40%-2660.4pp | 593.09%-578.1pp | 160.75%-145.7pp |
| Employer contribution / active EE | $1,050 | $2,316-54.7% | $3,025-65.3% | $2,671-60.7% |
| Participant deferral / active EE | $2,345 | $3,320-29.4% | $4,439-47.2% | $4,126-43.2% |
| Admin fee / account holder | $598 | $4,115-85.5% | $5,619-89.4% | $5,651-89.4% |