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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 | $88,815-8.3% | $81,882-0.6% | $145,897-44.2% |
| Participation rate | 42.9% | 75.1%-32.2pp | 72.4%-29.5pp | 80.3%-37.4pp |
| Annual return | 9.80% | 1033.75%-1023.9pp | 779.47%-769.7pp | 552.29%-542.5pp |
| Employer contribution / active EE | $681 | $3,086-77.9% | $2,916-76.7% | $4,663-85.4% |
| Participant deferral / active EE | $1,721 | $4,647-63.0% | $4,323-60.2% | $6,689-74.3% |
| Admin fee / account holder | $2,676 | $8,434-68.3% | $7,360-63.6% | $13,390-80.0% |