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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 | $52,261 | $99,011-47.2% | $86,582-39.6% | $147,586-64.6% |
| Participation rate | 43.8% | 76.3%-32.6pp | 73.5%-29.8pp | 82.8%-39.1pp |
| Annual return | 14.39% | 1312.75%-1298.4pp | 965.08%-950.7pp | 578.59%-564.2pp |
| Employer contribution / active EE | $1,381 | $3,132-55.9% | $2,839-51.3% | $4,876-71.7% |
| Participant deferral / active EE | $3,905 | $3,972-1.7% | $3,609+8.2% | $5,439-28.2% |
| Admin fee / account holder | $4,251 | $5,709-25.5% | $4,904-13.3% | $10,886-60.9% |