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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 | $41,384 | $159,934-74.1% | $147,005-71.8% | $145,959-71.6% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 13.61% | 98.24%-84.6pp | 418.76%-405.2pp | 561.95%-548.3pp |
| Employer contribution / active EE | $1,561 | $5,287-70.5% | $4,934-68.4% | $4,661-66.5% |
| Participant deferral / active EE | $6,307 | $8,427-25.2% | $8,070-21.8% | $6,689-5.7% |
| Admin fee / account holder | $303 | $15,053-98.0% | $13,006-97.7% | $13,398-97.7% |