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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 | $62,626 | $65,440-4.3% | $98,506-36.4% | $85,851-27.1% |
| Participation rate | 60.0% | 65.0%-5.0pp | 73.3%-13.3pp | 69.3%-9.3pp |
| Annual return | 14.79% | 21.75%-7.0pp | 1494.92%-1480.1pp | 318.63%-303.8pp |
| Employer contribution / active EE | $1,263 | $2,169-41.8% | $2,961-57.3% | $2,565-50.8% |
| Participant deferral / active EE | $1,745 | $3,168-44.9% | $4,277-59.2% | $3,952-55.9% |
| Admin fee / account holder | $1,256 | $4,596-72.7% | $5,955-78.9% | $6,261-79.9% |