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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 | $23,189 | $58,927-60.6% | $76,823-69.8% | $72,983-68.2% |
| Participation rate | 63.6% | 67.3%-3.7pp | 72.1%-8.4pp | 69.5%-5.9pp |
| Annual return | 21.45% | 2305.64%-2284.2pp | 1166.42%-1145.0pp | 81.01%-59.6pp |
| Employer contribution / active EE | $1,160 | $1,787-35.1% | $2,302-49.6% | $2,440-52.5% |
| Participant deferral / active EE | $2,652 | $2,690-1.4% | $3,336-20.5% | $3,608-26.5% |
| Admin fee / account holder | $1,507 | $4,013-62.5% | $6,422-76.5% | $5,124-70.6% |