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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 | $58,753 | $63,346-7.2% | $92,240-36.3% | $70,126-16.2% |
| Participation rate | 57.1% | 68.7%-11.5pp | 76.5%-19.3pp | 69.5%-12.4pp |
| Annual return | 14.82% | 530.19%-515.4pp | 176.29%-161.5pp | 73.15%-58.3pp |
| Employer contribution / active EE | $2,997 | $2,471+21.3% | $3,680-18.6% | $2,343+27.9% |
| Participant deferral / active EE | $1,571 | $2,854-44.9% | $3,897-59.7% | $3,332-52.8% |
| Admin fee / account holder | $2,346 | $3,841-38.9% | $5,194-54.8% | $4,645-49.5% |