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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 | $51,409 | $65,566-21.6% | $86,235-40.4% | $75,177-31.6% |
| Participation rate | 58.5% | 60.5%-1.9pp | 69.0%-10.4pp | 67.2%-8.7pp |
| Annual return | 14.17% | 46.07%-31.9pp | 1170.03%-1155.9pp | 160.75%-146.6pp |
| Employer contribution / active EE | $3,317 | $1,553+113.5% | $2,381+39.3% | $2,671+24.2% |
| Participant deferral / active EE | $1,971 | $3,023-34.8% | $3,987-50.6% | $4,126-52.2% |
| Admin fee / account holder | $1,049 | $5,470-80.8% | $6,856-84.7% | $5,651-81.4% |