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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 | $21,331 | $107,363-80.1% | $92,909-77.0% | $152,897-86.0% |
| Participation rate | 50.0% | 79.8%-29.8pp | 76.0%-26.0pp | 82.5%-32.5pp |
| Annual return | 32.25% | 145.63%-113.4pp | 109.44%-77.2pp | 345.43%-313.2pp |
| Employer contribution / active EE | $1,786 | $4,222-57.7% | $3,653-51.1% | $4,764-62.5% |
| Participant deferral / active EE | $5,754 | $4,848+18.7% | $4,238+35.8% | $5,851-1.7% |
| Admin fee / account holder | $510 | $7,082-92.8% | $5,795-91.2% | $11,599-95.6% |