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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 | $33,428 | $68,097-50.9% | $62,929-46.9% | $137,256-75.6% |
| Participation rate | 66.7% | 77.4%-10.8pp | 73.1%-6.4pp | 80.0%-13.3pp |
| Annual return | 13.56% | 1859.11%-1845.6pp | 1063.93%-1050.4pp | 220.34%-206.8pp |
| Employer contribution / active EE | $1,652 | $2,811-41.2% | $2,505-34.1% | $4,156-60.3% |
| Participant deferral / active EE | $1,525 | $4,553-66.5% | $3,888-60.8% | $6,407-76.2% |
| Admin fee / account holder | $2,270 | $6,521-65.2% | $5,065-55.2% | $12,270-81.5% |