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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 | $50,285 | $88,702-43.3% | $81,780-38.5% | $145,978-65.6% |
| Participation rate | 50.0% | 75.0%-25.0pp | 72.4%-22.4pp | 80.3%-30.3pp |
| Annual return | 11.98% | 1029.12%-1017.1pp | 776.27%-764.3pp | 550.52%-538.5pp |
| Employer contribution / active EE | $2,546 | $3,084-17.5% | $2,914-12.6% | $4,662-45.4% |
| Participant deferral / active EE | $3,615 | $4,645-22.2% | $4,321-16.3% | $6,690-46.0% |
| Admin fee / account holder | $447 | $8,414-94.7% | $7,384-94.0% | $13,400-96.7% |