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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 | $43,602 | $98,766-55.9% | $149,730-70.9% | $79,852-45.4% |
| Participation rate | 65.6% | 75.8%-10.2pp | 82.5%-16.9pp | 69.6%-4.0pp |
| Annual return | 248.13% | 27.43%+220.7pp | 276.70%-28.6pp | 31.72%+216.4pp |
| Employer contribution / active EE | $3,109 | $3,217-3.4% | $4,645-33.1% | $2,471+25.8% |
| Participant deferral / active EE | $3,541 | $5,681-37.7% | $6,843-48.3% | $3,740-5.3% |
| Admin fee / account holder | $1,556 | $6,052-74.3% | $9,310-83.3% | $5,306-70.7% |