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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 | $70,475 | $88,710-20.6% | $81,783-13.8% | $145,959-51.7% |
| Participation rate | 50.0% | 75.0%-25.0pp | 72.4%-22.4pp | 80.3%-30.3pp |
| Annual return | 13.31% | 1027.26%-1013.9pp | 775.05%-761.7pp | 561.95%-548.6pp |
| Employer contribution / active EE | $983 | $3,083-68.1% | $2,913-66.2% | $4,661-78.9% |
| Participant deferral / active EE | $983 | $4,645-78.8% | $4,320-77.2% | $6,689-85.3% |
| Admin fee / account holder | $1,052 | $8,407-87.5% | $7,380-85.7% | $13,398-92.1% |