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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 | $86,359 | $96,691-10.7% | $86,656-0.3% | $139,487-38.1% |
| Participation rate | 52.4% | 74.4%-22.0pp | 71.7%-19.3pp | 80.3%-28.0pp |
| Annual return | 14.85% | 106.87%-92.0pp | 593.09%-578.2pp | 373.84%-359.0pp |
| Employer contribution / active EE | $1,533 | $3,267-53.1% | $3,025-49.3% | $4,755-67.8% |
| Participant deferral / active EE | $3,974 | $4,838-17.8% | $4,439-10.5% | $6,713-40.8% |
| Admin fee / account holder | $801 | $6,414-87.5% | $5,619-85.7% | $11,407-93.0% |