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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 | $40,526 | $60,139-32.6% | $90,461-55.2% | $79,856-49.3% |
| Participation rate | 33.3% | 65.0%-31.7pp | 72.7%-39.4pp | 69.6%-36.3pp |
| Annual return | 17.51% | 71.96%-54.5pp | 1294.76%-1277.3pp | 31.71%-14.2pp |
| Employer contribution / active EE | $584 | $2,069-71.8% | $3,264-82.1% | $2,471-76.4% |
| Participant deferral / active EE | $840 | $2,939-71.4% | $3,964-78.8% | $3,741-77.5% |
| Admin fee / account holder | $4,657 | $3,978+17.1% | $5,617-17.1% | $5,306-12.2% |