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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 | $34,444 | $99,011-65.2% | $86,582-60.2% | $147,586-76.7% |
| Participation rate | 60.0% | 76.3%-16.3pp | 73.5%-13.5pp | 82.8%-22.8pp |
| Annual return | 16.04% | 1312.75%-1296.7pp | 965.08%-949.0pp | 578.59%-562.6pp |
| Employer contribution / active EE | $955 | $3,132-69.5% | $2,839-66.4% | $4,876-80.4% |
| Participant deferral / active EE | $1,429 | $3,972-64.0% | $3,609-60.4% | $5,439-73.7% |
| Admin fee / account holder | $893 | $5,709-84.4% | $4,904-81.8% | $10,886-91.8% |