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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 | $30,248 | $90,530-66.6% | $76,030-60.2% | $145,897-79.3% |
| Participation rate | 47.8% | 74.4%-26.6pp | 69.1%-21.2pp | 80.3%-32.5pp |
| Annual return | 15.06% | 625.08%-610.0pp | 361.54%-346.5pp | 552.29%-537.2pp |
| Employer contribution / active EE | $945 | $3,319-71.5% | $2,688-64.8% | $4,663-79.7% |
| Participant deferral / active EE | $1,173 | $5,164-77.3% | $4,257-72.5% | $6,689-82.5% |
| Admin fee / account holder | $861 | $8,383-89.7% | $6,421-86.6% | $13,390-93.6% |