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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 | $24,947 | $96,388-74.1% | $80,627-69.1% | $139,466-82.1% |
| Participation rate | 66.7% | 73.6%-7.0pp | 67.0%-0.3pp | 80.3%-13.7pp |
| Annual return | 20.21% | 1352.08%-1331.9pp | 936.76%-916.5pp | 373.66%-353.5pp |
| Employer contribution / active EE | $1,898 | $3,260-41.8% | $2,723-30.3% | $4,754-60.1% |
| Participant deferral / active EE | $4,032 | $5,224-22.8% | $4,443-9.2% | $6,712-39.9% |
| Admin fee / account holder | $799 | $6,603-87.9% | $5,381-85.1% | $11,409-93.0% |