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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 | $27,681 | $55,470-50.1% | $155,556-82.2% | $74,478-62.8% |
| Participation rate | 47.1% | 61.9%-14.8pp | 78.2%-31.2pp | 67.2%-20.2pp |
| Annual return | 46.87% | 269.80%-222.9pp | 64.84%-18.0pp | 1370.56%-1323.7pp |
| Employer contribution / active EE | $1,075 | $2,267-52.6% | $4,675-77.0% | $2,626-59.1% |
| Participant deferral / active EE | $3,639 | $2,838+28.2% | $5,631-35.4% | $4,350-16.4% |
| Admin fee / account holder | $794 | $1,744-54.5% | $15,885-95.0% | $1,946-59.2% |