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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 | $20,480 | $156,970-87.0% | $121,210-83.1% | $139,487-85.3% |
| Participation rate | 65.0% | 76.5%-11.5pp | 69.5%-4.5pp | 80.3%-15.3pp |
| Annual return | 28.63% | 1477.10%-1448.5pp | 987.41%-958.8pp | 373.84%-345.2pp |
| Employer contribution / active EE | $1,197 | $5,546-78.4% | $4,171-71.3% | $4,755-74.8% |
| Participant deferral / active EE | $3,679 | $4,849-24.1% | $4,084-9.9% | $6,713-45.2% |
| Admin fee / account holder | $661 | $6,947-90.5% | $5,647-88.3% | $11,407-94.2% |