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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 | $44,648 | $88,754-49.7% | $81,820-45.4% | $145,877-69.4% |
| Participation rate | 63.6% | 75.1%-11.4pp | 72.4%-8.7pp | 80.3%-16.7pp |
| Annual return | 21.40% | 1031.77%-1010.4pp | 777.93%-756.5pp | 551.28%-529.9pp |
| Employer contribution / active EE | $627 | $3,085-79.7% | $2,915-78.5% | $4,663-86.5% |
| Participant deferral / active EE | $5,532 | $4,648+19.0% | $4,323+28.0% | $6,691-17.3% |
| Admin fee / account holder | $422 | $8,424-95.0% | $7,391-94.3% | $13,402-96.9% |