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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 | $64,376 | $90,614-29.0% | $76,089-15.4% | $145,877-55.9% |
| Participation rate | 53.8% | 74.5%-20.7pp | 69.1%-15.2pp | 80.3%-26.5pp |
| Annual return | 10.63% | 623.80%-613.2pp | 360.94%-350.3pp | 551.28%-540.7pp |
| Employer contribution / active EE | $1,504 | $3,324-54.8% | $2,690-44.1% | $4,663-67.7% |
| Participant deferral / active EE | $2,963 | $5,168-42.7% | $4,259-30.4% | $6,691-55.7% |
| Admin fee / account holder | $1,550 | $8,376-81.5% | $6,418-75.8% | $13,402-88.4% |