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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 | $31,684 | $96,691-67.2% | $86,656-63.4% | $139,487-77.3% |
| Participation rate | 56.3% | 74.4%-18.2pp | 71.7%-15.5pp | 80.3%-24.1pp |
| Annual return | 21.25% | 106.87%-85.6pp | 593.09%-571.8pp | 373.84%-352.6pp |
| Employer contribution / active EE | $1,466 | $3,267-55.1% | $3,025-51.5% | $4,755-69.2% |
| Participant deferral / active EE | $2,873 | $4,838-40.6% | $4,439-35.3% | $6,713-57.2% |
| Admin fee / account holder | $314 | $6,414-95.1% | $5,619-94.4% | $11,407-97.2% |