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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 | $59,801 | $60,139-0.6% | $90,461-33.9% | $79,856-25.1% |
| Participation rate | 53.7% | 65.0%-11.3pp | 72.7%-19.0pp | 69.6%-15.9pp |
| Annual return | 23.55% | 71.96%-48.4pp | 1294.76%-1271.2pp | 31.71%-8.2pp |
| Employer contribution / active EE | $1,069 | $2,069-48.3% | $3,264-67.2% | $2,471-56.7% |
| Participant deferral / active EE | $1,386 | $2,939-52.9% | $3,964-65.0% | $3,741-63.0% |
| Admin fee / account holder | $583 | $3,978-85.3% | $5,617-89.6% | $5,306-89.0% |