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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 | $81,689 | $96,419-15.3% | $80,648+1.3% | $139,487-41.4% |
| Participation rate | 27.3% | 73.6%-46.4pp | 67.0%-39.7pp | 80.3%-53.1pp |
| Annual return | 17.19% | 1352.86%-1335.7pp | 937.21%-920.0pp | 373.84%-356.7pp |
| Employer contribution / active EE | $964 | $3,261-70.4% | $2,724-64.6% | $4,755-79.7% |
| Participant deferral / active EE | $2,214 | $5,225-57.6% | $4,443-50.2% | $6,713-67.0% |
| Admin fee / account holder | $473 | $6,605-92.8% | $5,382-91.2% | $11,407-95.9% |