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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 | $49,831 | $57,305-13.0% | $86,640-42.5% | $75,173-33.7% |
| Participation rate | 53.6% | 63.2%-9.6pp | 71.7%-18.1pp | 67.2%-13.6pp |
| Annual return | 17.19% | 2674.24%-2657.1pp | 592.52%-575.3pp | 160.72%-143.5pp |
| Employer contribution / active EE | $2,018 | $2,316-12.9% | $3,024-33.3% | $2,671-24.5% |
| Participant deferral / active EE | $3,251 | $3,320-2.1% | $4,438-26.7% | $4,126-21.2% |
| Admin fee / account holder | $1,879 | $4,116-54.4% | $5,616-66.5% | $5,651-66.7% |