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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 | $28,445 | $65,575-56.6% | $86,209-67.0% | $75,181-62.2% |
| Participation rate | 61.9% | 60.5%+1.4pp | 69.0%-7.1pp | 67.2%-5.3pp |
| Annual return | 29.90% | 46.07%-16.2pp | 1169.05%-1139.2pp | 160.69%-130.8pp |
| Employer contribution / active EE | $2,452 | $1,553+57.9% | $2,381+3.0% | $2,671-8.2% |
| Participant deferral / active EE | $4,504 | $3,023+49.0% | $3,986+13.0% | $4,126+9.2% |
| Admin fee / account holder | $2,713 | $5,470-50.4% | $6,853-60.4% | $5,650-52.0% |