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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 | $61,289 | $59,448+3.1% | $93,696-34.6% | $74,459-17.7% |
| Participation rate | 42.6% | 59.6%-17.0pp | 68.7%-26.1pp | 67.2%-24.6pp |
| Annual return | 19.54% | 82.11%-62.6pp | 133.74%-114.2pp | 1369.70%-1350.2pp |
| Employer contribution / active EE | $1,988 | $1,266+57.0% | $2,422-17.9% | $2,626-24.3% |
| Participant deferral / active EE | $3,491 | $3,052+14.4% | $4,417-21.0% | $4,350-19.7% |
| Admin fee / account holder | $2,621 | $3,027-13.4% | $8,287-68.4% | $1,945+34.8% |