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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 | $23,194 | $96,678-76.0% | $86,640-73.2% | $139,466-83.4% |
| Participation rate | 63.6% | 74.4%-10.8pp | 71.7%-8.1pp | 80.3%-16.7pp |
| Annual return | 34.60% | 106.69%-72.1pp | 592.52%-557.9pp | 373.66%-339.1pp |
| Employer contribution / active EE | $2,022 | $3,265-38.1% | $3,024-33.1% | $4,754-57.5% |
| Participant deferral / active EE | $6,702 | $4,837+38.6% | $4,438+51.0% | $6,712-0.2% |
| Admin fee / account holder | $594 | $6,410-90.7% | $5,616-89.4% | $11,409-94.8% |