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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 | $34,166 | $81,763-58.2% | $58,561-41.7% | $139,466-75.5% |
| Participation rate | 39.1% | 61.3%-22.2pp | 50.9%-11.7pp | 80.3%-41.2pp |
| Annual return | 23.81% | 7427.77%-7404.0pp | 4251.33%-4227.5pp | 373.66%-349.9pp |
| Employer contribution / active EE | $1,559 | $1,398+11.5% | $1,053+48.0% | $4,754-67.2% |
| Participant deferral / active EE | $3,080 | $2,555+20.6% | $1,923+60.2% | $6,712-54.1% |
| Admin fee / account holder | $553 | $3,273-83.1% | $2,520-78.1% | $11,409-95.2% |