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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 | $23,137 | $93,598-75.3% | $135,974-83.0% | $75,173-69.2% |
| Participation rate | 30.4% | 75.2%-44.8pp | 81.9%-51.5pp | 67.2%-36.8pp |
| Annual return | 1859.34% | 30.89%+1828.5pp | 68.30%+1791.0pp | 160.72%+1698.6pp |
| Employer contribution / active EE | $3,830 | $3,538+8.2% | $4,859-21.2% | $2,671+43.4% |
| Participant deferral / active EE | $7,669 | $6,405+19.7% | $7,760-1.2% | $4,126+85.9% |
| Admin fee / account holder | $2,554 | $6,978-63.4% | $10,767-76.3% | $5,651-54.8% |