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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 | $63,901 | $58,391+9.4% | $76,667-16.7% | $72,976-12.4% |
| Participation rate | 51.6% | 67.4%-15.8pp | 72.1%-20.5pp | 69.5%-17.9pp |
| Annual return | 23.10% | 2306.65%-2283.5pp | 1166.74%-1143.6pp | 81.02%-57.9pp |
| Employer contribution / active EE | $670 | $1,787-62.5% | $2,303-70.9% | $2,440-72.6% |
| Participant deferral / active EE | $1,508 | $2,690-44.0% | $3,336-54.8% | $3,608-58.2% |
| Admin fee / account holder | $3,439 | $4,014-14.3% | $6,423-46.5% | $5,124-32.9% |