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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 | $54,576 | $57,330-4.8% | $86,656-37.0% | $75,177-27.4% |
| Participation rate | 58.3% | 63.2%-4.9pp | 71.7%-13.4pp | 67.2%-8.9pp |
| Annual return | 16.12% | 2675.40%-2659.3pp | 593.09%-577.0pp | 160.75%-144.6pp |
| Employer contribution / active EE | $1,144 | $2,316-50.6% | $3,025-62.2% | $2,671-57.2% |
| Participant deferral / active EE | $1,545 | $3,320-53.5% | $4,439-65.2% | $4,126-62.6% |
| Admin fee / account holder | $1,408 | $4,115-65.8% | $5,619-74.9% | $5,651-75.1% |