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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 | $63,424 | $49,199+28.9% | $121,210-47.7% | $75,177-15.6% |
| Participation rate | 53.3% | 55.4%-2.1pp | 69.5%-16.2pp | 67.2%-13.9pp |
| Annual return | 20.57% | 56.04%-35.5pp | 987.41%-966.8pp | 160.75%-140.2pp |
| Employer contribution / active EE | $1,248 | $1,547-19.4% | $4,171-70.1% | $2,671-53.3% |
| Participant deferral / active EE | $1,928 | $2,630-26.7% | $4,084-52.8% | $4,126-53.3% |
| Admin fee / account holder | $1,117 | $3,946-71.7% | $5,647-80.2% | $5,651-80.2% |