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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 | $88,754-8.3% | $81,820-0.5% | $145,877-44.2% |
| Participation rate | 42.9% | 75.1%-32.2pp | 72.4%-29.5pp | 80.3%-37.4pp |
| Annual return | 9.80% | 1031.77%-1022.0pp | 777.93%-768.1pp | 551.28%-541.5pp |
| Employer contribution / active EE | $681 | $3,085-77.9% | $2,915-76.6% | $4,663-85.4% |
| Participant deferral / active EE | $1,721 | $4,648-63.0% | $4,323-60.2% | $6,691-74.3% |
| Admin fee / account holder | $2,676 | $8,424-68.2% | $7,391-63.8% | $13,402-80.0% |