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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 | $52,240 | $88,815-41.2% | $81,882-36.2% | $145,897-64.2% |
| Participation rate | 27.8% | 75.1%-47.3pp | 72.4%-44.6pp | 80.3%-52.5pp |
| Annual return | 11.77% | 1033.75%-1022.0pp | 779.47%-767.7pp | 552.29%-540.5pp |
| Employer contribution / active EE | $5,098 | $3,086+65.2% | $2,916+74.8% | $4,663+9.3% |
| Participant deferral / active EE | $3,164 | $4,647-31.9% | $4,323-26.8% | $6,689-52.7% |
| Admin fee / account holder | $10,324 | $8,434+22.4% | $7,360+40.3% | $13,390-22.9% |