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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 | $39,962 | $104,544-61.8% | $76,657-47.9% | $152,897-73.9% |
| Participation rate | 63.6% | 76.6%-13.0pp | 72.1%-8.5pp | 82.5%-18.8pp |
| Annual return | 21.19% | 1014.36%-993.2pp | 1166.74%-1145.6pp | 345.43%-324.2pp |
| Employer contribution / active EE | $1,652 | $3,118-47.0% | $2,303-28.3% | $4,764-65.3% |
| Participant deferral / active EE | $4,018 | $4,236-5.1% | $3,335+20.5% | $5,851-31.3% |
| Admin fee / account holder | $4,352 | $12,286-64.6% | $6,423-32.2% | $11,599-62.5% |