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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 | $18,762 | $90,691-79.3% | $76,119-75.4% | $145,884-87.1% |
| Participation rate | 33.3% | 74.5%-41.1pp | 69.1%-35.7pp | 80.3%-47.0pp |
| Annual return | 45.82% | 624.52%-578.7pp | 361.25%-315.4pp | 551.85%-506.0pp |
| Employer contribution / active EE | $1,316 | $3,329-60.5% | $2,693-51.1% | $4,662-71.8% |
| Participant deferral / active EE | $1,626 | $5,167-68.5% | $4,259-61.8% | $6,690-75.7% |
| Admin fee / account holder | $4,231 | $8,383-49.5% | $6,421-34.1% | $13,392-68.4% |