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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 | $51,124 | $29,716+72.0% | $56,077-8.8% | $80,925-36.8% |
| Participation rate | 15.5% | 41.7%-26.2pp | 52.5%-37.0pp | 67.7%-52.1pp |
| Annual return | 1268.57% | 35.30%+1233.3pp | 1709.28%-440.7pp | 35.65%+1232.9pp |
| Employer contribution / active EE | $337 | $671-49.7% | $1,040-67.6% | $2,756-87.8% |
| Participant deferral / active EE | $699 | $1,228-43.1% | $1,954-64.2% | $4,299-83.7% |
| Admin fee / account holder | $763 | $2,432-68.6% | $2,825-73.0% | $6,940-89.0% |