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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 | $26,713 | $76,634-65.1% | $56,054-52.3% | $145,978-81.7% |
| Participation rate | 44.4% | 63.2%-18.8pp | 52.5%-8.0pp | 80.3%-35.8pp |
| Annual return | 15.70% | 3004.33%-2988.6pp | 1705.95%-1690.2pp | 550.52%-534.8pp |
| Employer contribution / active EE | $855 | $1,380-38.1% | $1,039-17.7% | $4,662-81.7% |
| Participant deferral / active EE | $3,450 | $2,622+31.5% | $1,952+76.7% | $6,690-48.4% |
| Admin fee / account holder | $645 | $3,321-80.6% | $2,822-77.2% | $13,400-95.2% |