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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 | $26,658 | $73,421-63.7% | $66,439-59.9% | $155,188-82.8% |
| Participation rate | 61.5% | 79.7%-18.2pp | 74.5%-13.0pp | 80.8%-19.3pp |
| Annual return | 9.27% | 1382.37%-1373.1pp | 757.66%-748.4pp | 148.84%-139.6pp |
| Employer contribution / active EE | $1,192 | $3,039-60.8% | $2,637-54.8% | $4,248-71.9% |
| Participant deferral / active EE | $4,605 | $4,680-1.6% | $3,876+18.8% | $6,531-29.5% |
| Admin fee / account holder | $6,573 | $8,856-25.8% | $6,173+6.5% | $14,480-54.6% |