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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 | $30,991 | $100,811-69.3% | $86,698-64.3% | $134,545-77.0% |
| Participation rate | 52.2% | 79.0%-26.8pp | 76.6%-24.4pp | 81.2%-29.1pp |
| Annual return | 356.04% | 29.11%+326.9pp | 35.96%+320.1pp | 418.37%-62.3pp |
| Employer contribution / active EE | $2,182 | $3,490-37.5% | $2,837-23.1% | $4,742-54.0% |
| Participant deferral / active EE | $4,031 | $5,339-24.5% | $4,656-13.4% | $6,401-37.0% |
| Admin fee / account holder | $821 | $10,926-92.5% | $7,492-89.0% | $11,431-92.8% |