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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 | $29,345 | $99,011-70.4% | $86,582-66.1% | $147,586-80.1% |
| Participation rate | 63.6% | 76.3%-12.7pp | 73.5%-9.9pp | 82.8%-19.2pp |
| Annual return | 18.48% | 1312.75%-1294.3pp | 965.08%-946.6pp | 578.59%-560.1pp |
| Employer contribution / active EE | $2,430 | $3,132-22.4% | $2,839-14.4% | $4,876-50.2% |
| Participant deferral / active EE | $4,759 | $3,972+19.8% | $3,609+31.9% | $5,439-12.5% |
| Admin fee / account holder | $341 | $5,709-94.0% | $4,904-93.0% | $10,886-96.9% |