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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 | $23,890 | $106,008-77.5% | $92,240-74.1% | $147,586-83.8% |
| Participation rate | 54.5% | 80.4%-25.9pp | 76.5%-21.9pp | 82.8%-28.3pp |
| Annual return | 21.50% | 50.05%-28.5pp | 176.29%-154.8pp | 578.59%-557.1pp |
| Employer contribution / active EE | $0 | $4,333-100.0% | $3,680-100.0% | $4,876-100.0% |
| Participant deferral / active EE | $3,965 | $4,478-11.5% | $3,897+1.7% | $5,439-27.1% |
| Admin fee / account holder | $546 | $6,333-91.4% | $5,194-89.5% | $10,886-95.0% |