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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 | $54,534 | $100,938-46.0% | $90,461-39.7% | $158,982-65.7% |
| Participation rate | 57.9% | 75.0%-17.1pp | 72.7%-14.8pp | 82.0%-24.1pp |
| Annual return | 14.00% | 1727.20%-1713.2pp | 1294.76%-1280.8pp | 302.99%-289.0pp |
| Employer contribution / active EE | $1,440 | $3,691-61.0% | $3,264-55.9% | $4,763-69.8% |
| Participant deferral / active EE | $3,932 | $4,350-9.6% | $3,964-0.8% | $5,983-34.3% |
| Admin fee / account holder | $3,093 | $6,510-52.5% | $5,617-44.9% | $11,252-72.5% |