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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 | $50,225 | $76,608-34.4% | $56,077-10.4% | $145,877-65.6% |
| Participation rate | 28.6% | 63.2%-34.7pp | 52.5%-23.9pp | 80.3%-51.7pp |
| Annual return | 15.68% | 3009.59%-2993.9pp | 1709.28%-1693.6pp | 551.28%-535.6pp |
| Employer contribution / active EE | $440 | $1,382-68.1% | $1,040-57.7% | $4,663-90.6% |
| Participant deferral / active EE | $3,851 | $2,624+46.8% | $1,954+97.1% | $6,691-42.4% |
| Admin fee / account holder | $361 | $3,325-89.1% | $2,825-87.2% | $13,402-97.3% |