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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 | $88,710-49.7% | $81,783-45.4% | $145,959-69.4% |
| Participation rate | 63.6% | 75.0%-11.4pp | 72.4%-8.7pp | 80.3%-16.6pp |
| Annual return | 21.40% | 1027.26%-1005.9pp | 775.05%-753.7pp | 561.95%-540.6pp |
| Employer contribution / active EE | $627 | $3,083-79.7% | $2,913-78.5% | $4,661-86.5% |
| Participant deferral / active EE | $5,532 | $4,645+19.1% | $4,320+28.0% | $6,689-17.3% |
| Admin fee / account holder | $422 | $8,407-95.0% | $7,380-94.3% | $13,398-96.9% |