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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 | $30,595 | $76,368-59.9% | $67,681-54.8% | $154,746-80.2% |
| Participation rate | 38.9% | 79.0%-40.1pp | 73.7%-34.8pp | 80.7%-41.8pp |
| Annual return | 19.34% | 1066.77%-1047.4pp | 590.58%-571.2pp | 172.34%-153.0pp |
| Employer contribution / active EE | $717 | $3,151-77.3% | $2,678-73.2% | $4,379-83.6% |
| Participant deferral / active EE | $3,082 | $4,824-36.1% | $3,976-22.5% | $6,730-54.2% |
| Admin fee / account holder | $574 | $8,559-93.3% | $6,100-90.6% | $14,365-96.0% |