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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 | $71,010 | $96,643-26.5% | $86,617-18.0% | $139,456-49.1% |
| Participation rate | 28.6% | 74.4%-45.8pp | 71.7%-43.1pp | 80.3%-51.8pp |
| Annual return | 15.85% | 106.57%-90.7pp | 591.91%-576.1pp | 373.45%-357.6pp |
| Employer contribution / active EE | $480 | $3,264-85.3% | $3,023-84.1% | $4,753-89.9% |
| Participant deferral / active EE | $1,117 | $4,835-76.9% | $4,437-74.8% | $6,711-83.4% |
| Admin fee / account holder | $321 | $6,406-95.0% | $5,613-94.3% | $11,407-97.2% |