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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 | $43,574 | $99,031-56.0% | $86,597-49.7% | $147,585-70.5% |
| Participation rate | 66.7% | 76.3%-9.7pp | 73.5%-6.9pp | 82.8%-16.2pp |
| Annual return | 14.51% | 1312.56%-1298.0pp | 964.96%-950.4pp | 578.57%-564.1pp |
| Employer contribution / active EE | $502 | $3,132-84.0% | $2,840-82.3% | $4,876-89.7% |
| Participant deferral / active EE | $655 | $3,972-83.5% | $3,609-81.9% | $5,439-88.0% |
| Admin fee / account holder | $342 | $5,711-94.0% | $4,906-93.0% | $10,885-96.9% |