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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 | $25,213 | $106,008-76.2% | $92,240-72.7% | $147,586-82.9% |
| Participation rate | 57.9% | 80.4%-22.5pp | 76.5%-18.6pp | 82.8%-24.9pp |
| Annual return | 17.82% | 50.05%-32.2pp | 176.29%-158.5pp | 578.59%-560.8pp |
| Employer contribution / active EE | $1,072 | $4,333-75.3% | $3,680-70.9% | $4,876-78.0% |
| Participant deferral / active EE | $2,662 | $4,478-40.5% | $3,897-31.7% | $5,439-51.0% |
| Admin fee / account holder | $362 | $6,333-94.3% | $5,194-93.0% | $10,886-96.7% |