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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 | $78,840 | $106,001-25.6% | $92,235-14.5% | $147,585-46.6% |
| Participation rate | 55.6% | 80.4%-24.9pp | 76.5%-20.9pp | 82.8%-27.3pp |
| Annual return | 23.92% | 50.05%-26.1pp | 176.28%-152.4pp | 578.56%-554.6pp |
| Employer contribution / active EE | $929 | $4,333-78.6% | $3,679-74.7% | $4,876-80.9% |
| Participant deferral / active EE | $2,013 | $4,478-55.0% | $3,897-48.3% | $5,439-63.0% |
| Admin fee / account holder | $6,243 | $6,332-1.4% | $5,194+20.2% | $10,885-42.7% |