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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 | $26,501 | $81,763-67.6% | $58,561-54.7% | $139,466-81.0% |
| Participation rate | 20.0% | 61.3%-41.3pp | 50.9%-30.9pp | 80.3%-60.3pp |
| Annual return | 36.05% | 7427.77%-7391.7pp | 4251.33%-4215.3pp | 373.66%-337.6pp |
| Employer contribution / active EE | $1,588 | $1,398+13.6% | $1,053+50.8% | $4,754-66.6% |
| Participant deferral / active EE | $2,533 | $2,555-0.9% | $1,923+31.7% | $6,712-62.3% |
| Admin fee / account holder | $6,437 | $3,273+96.7% | $2,520+155.4% | $11,409-43.6% |