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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 | $73,421-54.5% | $66,439-49.7% | $155,188-78.5% |
| Participation rate | 66.7% | 79.7%-13.0pp | 74.5%-7.8pp | 80.8%-14.1pp |
| Annual return | 13.56% | 1382.37%-1368.8pp | 757.66%-744.1pp | 148.84%-135.3pp |
| Employer contribution / active EE | $1,652 | $3,039-45.7% | $2,637-37.4% | $4,248-61.1% |
| Participant deferral / active EE | $1,525 | $4,680-67.4% | $3,876-60.7% | $6,531-76.7% |
| Admin fee / account holder | $2,270 | $8,856-74.4% | $6,173-63.2% | $14,480-84.3% |