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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 | $58,503 | $63,346-7.6% | $92,240-36.6% | $70,126-16.6% |
| Participation rate | 63.4% | 68.7%-5.3pp | 76.5%-13.1pp | 69.5%-6.1pp |
| Annual return | 17.21% | 530.19%-513.0pp | 176.29%-159.1pp | 73.15%-55.9pp |
| Employer contribution / active EE | $1,263 | $2,471-48.9% | $3,680-65.7% | $2,343-46.1% |
| Participant deferral / active EE | $1,779 | $2,854-37.7% | $3,897-54.3% | $3,332-46.6% |
| Admin fee / account holder | $558 | $3,841-85.5% | $5,194-89.3% | $4,645-88.0% |