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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 | $35,608 | $60,119-40.8% | $90,430-60.6% | $79,858-55.4% |
| Participation rate | 62.9% | 65.0%-2.1pp | 72.7%-9.8pp | 69.6%-6.8pp |
| Annual return | 15.77% | 71.94%-56.2pp | 1293.73%-1278.0pp | 31.72%-15.9pp |
| Employer contribution / active EE | $1,319 | $2,068-36.2% | $3,262-59.6% | $2,471-46.6% |
| Participant deferral / active EE | $2,001 | $2,938-31.9% | $3,963-49.5% | $3,740-46.5% |
| Admin fee / account holder | $612 | $3,976-84.6% | $5,613-89.1% | $5,306-88.5% |