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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 | $44,374 | $67,823-34.6% | $52,425-15.4% | $137,256-67.7% |
| Participation rate | 45.8% | 63.9%-18.1pp | 55.6%-9.8pp | 80.0%-34.1pp |
| Annual return | 121.33% | 219.11%-97.8pp | 302.12%-180.8pp | 220.34%-99.0pp |
| Employer contribution / active EE | $1,052 | $1,163-9.6% | $914+15.1% | $4,156-74.7% |
| Participant deferral / active EE | $2,930 | $2,288+28.1% | $1,790+63.6% | $6,407-54.3% |
| Admin fee / account holder | $338 | $2,844-88.1% | $2,495-86.5% | $12,270-97.2% |