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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 | $62,444 | $85,766-27.2% | $136,298-54.2% | $70,126-11.0% |
| Participation rate | 64.1% | 74.2%-10.1pp | 81.9%-17.8pp | 69.5%-5.4pp |
| Annual return | 39.26% | 31.46%+7.8pp | 5156.27%-5117.0pp | 73.15%-33.9pp |
| Employer contribution / active EE | $2,609 | $2,966-12.1% | $4,696-44.4% | $2,343+11.4% |
| Participant deferral / active EE | $4,493 | $5,051-11.0% | $6,247-28.1% | $3,332+34.9% |
| Admin fee / account holder | $518 | $5,421-90.4% | $9,244-94.4% | $4,645-88.9% |