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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 | $42,477 | $102,595-58.6% | $94,057-54.8% | $154,746-72.6% |
| Participation rate | 50.0% | 76.0%-26.0pp | 73.3%-23.3pp | 80.7%-30.7pp |
| Annual return | 11.31% | 583.42%-572.1pp | 480.62%-469.3pp | 172.34%-161.0pp |
| Employer contribution / active EE | $714 | $3,147-77.3% | $2,933-75.7% | $4,379-83.7% |
| Participant deferral / active EE | $1,150 | $5,118-77.5% | $4,709-75.6% | $6,730-82.9% |
| Admin fee / account holder | $351 | $7,736-95.5% | $7,244-95.2% | $14,365-97.6% |