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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 | $70,653 | $100,911-30.0% | $90,440-21.9% | $158,966-55.6% |
| Participation rate | 47.1% | 75.0%-28.0pp | 72.7%-25.6pp | 82.0%-34.9pp |
| Annual return | 22.30% | 1726.62%-1704.3pp | 1294.38%-1272.1pp | 302.95%-280.6pp |
| Employer contribution / active EE | $216 | $3,690-94.1% | $3,263-93.4% | $4,762-95.5% |
| Participant deferral / active EE | $1,408 | $4,348-67.6% | $3,964-64.5% | $5,983-76.5% |
| Admin fee / account holder | $478 | $6,507-92.7% | $5,615-91.5% | $11,250-95.7% |