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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 | $28,624+47.1% | $53,647-21.5% | $82,637-49.1% |
| Participation rate | 25.0% | 47.3%-22.3pp | 56.3%-31.3pp | 68.1%-43.1pp |
| Annual return | 20.78% | 664.98%-644.2pp | 358.33%-337.6pp | 53.51%-32.7pp |
| Employer contribution / active EE | $487 | $637-23.5% | $962-49.4% | $2,552-80.9% |
| Participant deferral / active EE | $1,649 | $1,196+37.9% | $1,813-9.0% | $4,126-60.0% |
| Admin fee / account holder | $7,491 | $2,022+270.5% | $2,460+204.5% | $7,339+2.1% |