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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 | $39,368 | $99,011-60.2% | $86,582-54.5% | $147,586-73.3% |
| Participation rate | 41.7% | 76.3%-34.7pp | 73.5%-31.9pp | 82.8%-41.2pp |
| Annual return | 25.60% | 1312.75%-1287.1pp | 965.08%-939.5pp | 578.59%-553.0pp |
| Employer contribution / active EE | $980 | $3,132-68.7% | $2,839-65.5% | $4,876-79.9% |
| Participant deferral / active EE | $3,275 | $3,972-17.6% | $3,609-9.2% | $5,439-39.8% |
| Admin fee / account holder | $2,758 | $5,709-51.7% | $4,904-43.8% | $10,886-74.7% |