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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 | $10,378 | $57,305-81.9% | $86,640-88.0% | $75,173-86.2% |
| Participation rate | 42.5% | 63.2%-20.7pp | 71.7%-29.2pp | 67.2%-24.7pp |
| Annual return | 38.75% | 2674.24%-2635.5pp | 592.52%-553.8pp | 160.72%-122.0pp |
| Employer contribution / active EE | $1,517 | $2,316-34.5% | $3,024-49.9% | $2,671-43.2% |
| Participant deferral / active EE | $2,010 | $3,320-39.5% | $4,438-54.7% | $4,126-51.3% |
| Admin fee / account holder | $351 | $4,116-91.5% | $5,616-93.7% | $5,651-93.8% |