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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 | $25,027 | $96,678-74.1% | $86,640-71.1% | $139,466-82.1% |
| Participation rate | 53.8% | 74.4%-20.6pp | 71.7%-17.9pp | 80.3%-26.5pp |
| Annual return | 20.73% | 106.69%-86.0pp | 592.52%-571.8pp | 373.66%-352.9pp |
| Employer contribution / active EE | $1,206 | $3,265-63.1% | $3,024-60.1% | $4,754-74.6% |
| Participant deferral / active EE | $3,582 | $4,837-26.0% | $4,438-19.3% | $6,712-46.6% |
| Admin fee / account holder | $2,851 | $6,410-55.5% | $5,616-49.2% | $11,409-75.0% |