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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 | $19,700 | $96,388-79.6% | $80,627-75.6% | $139,466-85.9% |
| Participation rate | 63.2% | 73.6%-10.5pp | 67.0%-3.9pp | 80.3%-17.2pp |
| Annual return | 31.08% | 1352.08%-1321.0pp | 936.76%-905.7pp | 373.66%-342.6pp |
| Employer contribution / active EE | $5,656 | $3,260+73.5% | $2,723+107.7% | $4,754+19.0% |
| Participant deferral / active EE | $2,763 | $5,224-47.1% | $4,443-37.8% | $6,712-58.8% |
| Admin fee / account holder | $946 | $6,603-85.7% | $5,381-82.4% | $11,409-91.7% |