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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 | $17,907 | $156,963-88.6% | $121,204-85.2% | $139,466-87.2% |
| Participation rate | 47.4% | 76.5%-29.1pp | 69.5%-22.2pp | 80.3%-33.0pp |
| Annual return | 92.66% | 1476.75%-1384.1pp | 987.18%-894.5pp | 373.66%-281.0pp |
| Employer contribution / active EE | $1,553 | $5,544-72.0% | $4,170-62.8% | $4,754-67.3% |
| Participant deferral / active EE | $4,674 | $4,848-3.6% | $4,083+14.5% | $6,712-30.4% |
| Admin fee / account holder | $1,199 | $6,953-82.8% | $5,651-78.8% | $11,409-89.5% |