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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 | $81,423 | $88,710-8.2% | $81,783-0.4% | $145,959-44.2% |
| Participation rate | 42.9% | 75.0%-32.2pp | 72.4%-29.5pp | 80.3%-37.4pp |
| Annual return | 9.80% | 1027.26%-1017.5pp | 775.05%-765.2pp | 561.95%-552.1pp |
| Employer contribution / active EE | $681 | $3,083-77.9% | $2,913-76.6% | $4,661-85.4% |
| Participant deferral / active EE | $1,721 | $4,645-62.9% | $4,320-60.2% | $6,689-74.3% |
| Admin fee / account holder | $2,676 | $8,407-68.2% | $7,380-63.7% | $13,398-80.0% |