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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 | $34,029 | $65,440-48.0% | $98,506-65.5% | $85,851-60.4% |
| Participation rate | 58.0% | 65.0%-7.0pp | 73.3%-15.3pp | 69.3%-11.3pp |
| Annual return | 17.77% | 21.75%-4.0pp | 1494.92%-1477.2pp | 318.63%-300.9pp |
| Employer contribution / active EE | $973 | $2,169-55.1% | $2,961-67.1% | $2,565-62.1% |
| Participant deferral / active EE | $1,585 | $3,168-50.0% | $4,277-62.9% | $3,952-59.9% |
| Admin fee / account holder | $438 | $4,596-90.5% | $5,955-92.6% | $6,261-93.0% |