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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 | $71,620 | $202,342-64.6% | $172,752-58.5% | $152,897-53.2% |
| Participation rate | 69.2% | 87.1%-17.8pp | 82.6%-13.4pp | 82.5%-13.2pp |
| Annual return | 14.39% | 1029.83%-1015.4pp | 802.97%-788.6pp | 345.43%-331.0pp |
| Employer contribution / active EE | $1,433 | $5,858-75.5% | $5,144-72.1% | $4,764-69.9% |
| Participant deferral / active EE | $2,277 | $5,948-61.7% | $5,198-56.2% | $5,851-61.1% |
| Admin fee / account holder | $7,769 | $17,111-54.6% | $13,955-44.3% | $11,599-33.0% |