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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 | $53,324 | $76,785-30.6% | $56,441-5.5% | $145,959-63.5% |
| Participation rate | 19.0% | 63.2%-44.2pp | 52.5%-33.4pp | 80.3%-61.2pp |
| Annual return | 25.54% | 3000.51%-2975.0pp | 1704.21%-1678.7pp | 561.95%-536.4pp |
| Employer contribution / active EE | $678 | $1,381-50.9% | $1,039-34.8% | $4,661-85.5% |
| Participant deferral / active EE | $2,817 | $2,624+7.4% | $1,953+44.2% | $6,689-57.9% |
| Admin fee / account holder | $1,861 | $3,334-44.2% | $2,829-34.2% | $13,398-86.1% |