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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 | $45,801 | $106,008-56.8% | $92,240-50.3% | $147,586-69.0% |
| Participation rate | 66.7% | 80.4%-13.7pp | 76.5%-9.8pp | 82.8%-16.2pp |
| Annual return | 19.45% | 50.05%-30.6pp | 176.29%-156.8pp | 578.59%-559.1pp |
| Employer contribution / active EE | $1,845 | $4,333-57.4% | $3,680-49.9% | $4,876-62.2% |
| Participant deferral / active EE | $2,610 | $4,478-41.7% | $3,897-33.0% | $5,439-52.0% |
| Admin fee / account holder | $2,247 | $6,333-64.5% | $5,194-56.7% | $10,886-79.4% |