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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 | $37,964 | $88,754-57.2% | $81,820-53.6% | $145,877-74.0% |
| Participation rate | 22.7% | 75.1%-52.4pp | 72.4%-49.7pp | 80.3%-57.6pp |
| Annual return | 16.47% | 1031.77%-1015.3pp | 777.93%-761.5pp | 551.28%-534.8pp |
| Employer contribution / active EE | $704 | $3,085-77.2% | $2,915-75.9% | $4,663-84.9% |
| Participant deferral / active EE | $2,248 | $4,648-51.6% | $4,323-48.0% | $6,691-66.4% |
| Admin fee / account holder | $631 | $8,424-92.5% | $7,391-91.5% | $13,402-95.3% |