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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 | $25,438 | $96,678-73.7% | $86,640-70.6% | $139,466-81.8% |
| Participation rate | 66.7% | 74.4%-7.7pp | 71.7%-5.0pp | 80.3%-13.7pp |
| Annual return | 14.45% | 106.69%-92.2pp | 592.52%-578.1pp | 373.66%-359.2pp |
| Employer contribution / active EE | $1,568 | $3,265-52.0% | $3,024-48.1% | $4,754-67.0% |
| Participant deferral / active EE | $3,083 | $4,837-36.3% | $4,438-30.5% | $6,712-54.1% |
| Admin fee / account holder | $501 | $6,410-92.2% | $5,616-91.1% | $11,409-95.6% |