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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 | $72,843 | $88,778-17.9% | $81,844-11.0% | $145,884-50.1% |
| Participation rate | 46.2% | 75.1%-28.9pp | 72.4%-26.2pp | 80.3%-34.1pp |
| Annual return | 12.22% | 1033.03%-1020.8pp | 778.87%-766.7pp | 551.85%-539.6pp |
| Employer contribution / active EE | $895 | $3,087-71.0% | $2,916-69.3% | $4,662-80.8% |
| Participant deferral / active EE | $1,133 | $4,648-75.6% | $4,323-73.8% | $6,690-83.1% |
| Admin fee / account holder | $1,831 | $8,430-78.3% | $7,355-75.1% | $13,392-86.3% |