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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 | $58,028 | $96,678-40.0% | $86,640-33.0% | $139,466-58.4% |
| Participation rate | 15.8% | 74.4%-58.6pp | 71.7%-55.9pp | 80.3%-64.5pp |
| Annual return | 25.77% | 106.69%-80.9pp | 592.52%-566.7pp | 373.66%-347.9pp |
| Employer contribution / active EE | $601 | $3,265-81.6% | $3,024-80.1% | $4,754-87.4% |
| Participant deferral / active EE | $1,805 | $4,837-62.7% | $4,438-59.3% | $6,712-73.1% |
| Admin fee / account holder | $7,064 | $6,410+10.2% | $5,616+25.8% | $11,409-38.1% |