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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 | $70,426 | $90,691-22.3% | $76,119-7.5% | $145,884-51.7% |
| Participation rate | 45.5% | 74.5%-29.0pp | 69.1%-23.6pp | 80.3%-34.8pp |
| Annual return | 14.02% | 624.52%-610.5pp | 361.25%-347.2pp | 551.85%-537.8pp |
| Employer contribution / active EE | $762 | $3,329-77.1% | $2,693-71.7% | $4,662-83.7% |
| Participant deferral / active EE | $3,469 | $5,167-32.9% | $4,259-18.6% | $6,690-48.1% |
| Admin fee / account holder | $4,488 | $8,383-46.5% | $6,421-30.1% | $13,392-66.5% |