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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 | $30,021 | $65,575-54.2% | $86,209-65.2% | $75,181-60.1% |
| Participation rate | 54.1% | 60.5%-6.4pp | 69.0%-14.9pp | 67.2%-13.1pp |
| Annual return | 25.34% | 46.07%-20.7pp | 1169.05%-1143.7pp | 160.69%-135.3pp |
| Employer contribution / active EE | $4,273 | $1,553+175.1% | $2,381+79.4% | $2,671+60.0% |
| Participant deferral / active EE | $4,204 | $3,023+39.1% | $3,986+5.5% | $4,126+1.9% |
| Admin fee / account holder | $1,531 | $5,470-72.0% | $6,853-77.7% | $5,650-72.9% |