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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 | $52,468 | $155,840-66.3% | $124,694-57.9% | $167,553-68.7% |
| Participation rate | 68.4% | 81.1%-12.7pp | 74.6%-6.2pp | 82.1%-13.7pp |
| Annual return | 17.24% | 17.98%-0.7pp | 5144.82%-5127.6pp | 478.89%-461.7pp |
| Employer contribution / active EE | $1,527 | $4,165-63.3% | $3,325-54.1% | $4,840-68.5% |
| Participant deferral / active EE | $2,357 | $5,675-58.5% | $4,615-48.9% | $6,343-62.8% |
| Admin fee / account holder | $576 | $9,536-94.0% | $7,495-92.3% | $12,316-95.3% |