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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 | $39,605 | $59,006-32.9% | $97,295-59.3% | $74,478-46.8% |
| Participation rate | 66.1% | 63.7%+2.4pp | 72.7%-6.5pp | 67.2%-1.1pp |
| Annual return | 40.18% | 16.04%+24.1pp | 75.62%-35.4pp | 1370.56%-1330.4pp |
| Employer contribution / active EE | $2,578 | $1,894+36.1% | $2,723-5.3% | $2,626-1.9% |
| Participant deferral / active EE | $5,353 | $3,671+45.8% | $4,264+25.5% | $4,350+23.0% |
| Admin fee / account holder | $3,941 | $1,974+99.6% | $5,646-30.2% | $1,946+102.5% |