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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 | $28,879 | $134,817-78.6% | $123,973-76.7% | $155,188-81.4% |
| Participation rate | 30.0% | 79.4%-49.4pp | 76.7%-46.7pp | 80.8%-50.8pp |
| Annual return | 58.29% | 515.49%-457.2pp | 388.13%-329.8pp | 148.84%-90.5pp |
| Employer contribution / active EE | $1,335 | $4,425-69.8% | $4,126-67.7% | $4,248-68.6% |
| Participant deferral / active EE | $2,971 | $5,706-47.9% | $5,247-43.4% | $6,531-54.5% |
| Admin fee / account holder | $316 | $13,245-97.6% | $11,799-97.3% | $14,480-97.8% |