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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 | $23,462 | $55,446-57.7% | $155,574-84.9% | $74,429-68.5% |
| Participation rate | 55.4% | 61.9%-6.5pp | 78.2%-22.9pp | 67.2%-11.9pp |
| Annual return | 474.64% | 269.20%+205.4pp | 64.87%+409.8pp | 1368.38%-893.7pp |
| Employer contribution / active EE | $1,064 | $2,266-53.1% | $4,676-77.3% | $2,625-59.5% |
| Participant deferral / active EE | $1,725 | $2,836-39.2% | $5,629-69.4% | $4,348-60.3% |
| Admin fee / account holder | $1,744 | $1,743+0.1% | $15,914-89.0% | $1,944-10.3% |