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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 | $34,718 | $76,522-54.6% | $56,033-38.0% | $145,884-76.2% |
| Participation rate | 23.5% | 63.2%-39.7pp | 52.5%-29.0pp | 80.3%-56.8pp |
| Annual return | 7.35% | 3014.28%-3006.9pp | 1711.38%-1704.0pp | 551.85%-544.5pp |
| Employer contribution / active EE | $957 | $1,382-30.7% | $1,041-8.0% | $4,662-79.5% |
| Participant deferral / active EE | $2,238 | $2,624-14.7% | $1,954+14.5% | $6,690-66.6% |
| Admin fee / account holder | $496 | $3,328-85.1% | $2,827-82.4% | $13,392-96.3% |