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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 | $25,470 | $58,726-56.6% | $142,898-82.2% | $85,847-70.3% |
| Participation rate | 57.1% | 58.5%-1.3pp | 72.0%-14.8pp | 69.3%-12.2pp |
| Annual return | 52.36% | 27.73%+24.6pp | 5639.64%-5587.3pp | 318.61%-266.3pp |
| Employer contribution / active EE | $767 | $1,424-46.1% | $4,146-81.5% | $2,565-70.1% |
| Participant deferral / active EE | $2,485 | $2,609-4.7% | $3,838-35.3% | $3,952-37.1% |
| Admin fee / account holder | $4,209 | $4,234-0.6% | $6,560-35.8% | $6,261-32.8% |