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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 | $48,384 | $88,778-45.5% | $81,844-40.9% | $145,884-66.8% |
| Participation rate | 53.3% | 75.1%-21.7pp | 72.4%-19.0pp | 80.3%-27.0pp |
| Annual return | 14.63% | 1033.03%-1018.4pp | 778.87%-764.2pp | 551.85%-537.2pp |
| Employer contribution / active EE | $1,601 | $3,087-48.1% | $2,916-45.1% | $4,662-65.7% |
| Participant deferral / active EE | $3,420 | $4,648-26.4% | $4,323-20.9% | $6,690-48.9% |
| Admin fee / account holder | $836 | $8,430-90.1% | $7,355-88.6% | $13,392-93.8% |