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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 | $44,911 | $99,011-54.6% | $86,582-48.1% | $147,586-69.6% |
| Participation rate | 58.3% | 76.3%-18.0pp | 73.5%-15.2pp | 82.8%-24.5pp |
| Annual return | 40.98% | 1312.75%-1271.8pp | 965.08%-924.1pp | 578.59%-537.6pp |
| Employer contribution / active EE | $986 | $3,132-68.5% | $2,839-65.3% | $4,876-79.8% |
| Participant deferral / active EE | $4,349 | $3,972+9.5% | $3,609+20.5% | $5,439-20.0% |
| Admin fee / account holder | $694 | $5,709-87.8% | $4,904-85.8% | $10,886-93.6% |