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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 | $42,100 | $29,319+43.6% | $52,425-19.7% | $82,448-48.9% |
| Participation rate | 25.0% | 46.9%-21.9pp | 55.6%-30.6pp | 68.1%-43.1pp |
| Annual return | 20.78% | 535.20%-514.4pp | 302.12%-281.3pp | 41.64%-20.9pp |
| Employer contribution / active EE | $487 | $586-17.0% | $914-46.8% | $2,551-80.9% |
| Participant deferral / active EE | $1,649 | $1,171+40.8% | $1,790-7.9% | $4,139-60.2% |
| Admin fee / account holder | $7,491 | $1,962+281.8% | $2,495+200.2% | $7,234+3.5% |