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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 | $64,675 | $103,038-37.2% | $90,324-28.4% | $152,909-57.7% |
| Participation rate | 61.5% | 75.9%-14.3pp | 73.3%-11.7pp | 82.5%-20.9pp |
| Annual return | 20.47% | 95.25%-74.8pp | 78.15%-57.7pp | 345.46%-325.0pp |
| Employer contribution / active EE | $737 | $3,141-76.5% | $2,856-74.2% | $4,764-84.5% |
| Participant deferral / active EE | $2,738 | $4,282-36.1% | $3,885-29.5% | $5,851-53.2% |
| Admin fee / account holder | $810 | $6,177-86.9% | $5,356-84.9% | $11,601-93.0% |