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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 | $43,841 | $65,423-33.0% | $98,477-55.5% | $85,856-48.9% |
| Participation rate | 51.7% | 65.0%-13.3pp | 73.3%-21.6pp | 69.3%-17.6pp |
| Annual return | 18.71% | 21.76%-3.0pp | 1493.59%-1474.9pp | 318.58%-299.9pp |
| Employer contribution / active EE | $2,397 | $2,168+10.5% | $2,961-19.1% | $2,565-6.6% |
| Participant deferral / active EE | $3,042 | $3,167-4.0% | $4,276-28.9% | $3,952-23.0% |
| Admin fee / account holder | $1,891 | $4,594-58.8% | $5,951-68.2% | $6,261-69.8% |