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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 | $58,518 | $102,595-43.0% | $94,057-37.8% | $154,746-62.2% |
| Participation rate | 26.3% | 76.0%-49.7pp | 73.3%-47.0pp | 80.7%-54.4pp |
| Annual return | 20.88% | 583.42%-562.5pp | 480.62%-459.7pp | 172.34%-151.5pp |
| Employer contribution / active EE | $777 | $3,147-75.3% | $2,933-73.5% | $4,379-82.3% |
| Participant deferral / active EE | $3,175 | $5,118-38.0% | $4,709-32.6% | $6,730-52.8% |
| Admin fee / account holder | $371 | $7,736-95.2% | $7,244-94.9% | $14,365-97.4% |