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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 | $45,479 | $88,815-48.8% | $81,882-44.5% | $145,897-68.8% |
| Participation rate | 37.5% | 75.1%-37.6pp | 72.4%-34.9pp | 80.3%-42.8pp |
| Annual return | 11.16% | 1033.75%-1022.6pp | 779.47%-768.3pp | 552.29%-541.1pp |
| Employer contribution / active EE | $601 | $3,086-80.5% | $2,916-79.4% | $4,663-87.1% |
| Participant deferral / active EE | $859 | $4,647-81.5% | $4,323-80.1% | $6,689-87.2% |
| Admin fee / account holder | $989 | $8,434-88.3% | $7,360-86.6% | $13,390-92.6% |