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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 | $55,832 | $88,778-37.1% | $81,844-31.8% | $145,884-61.7% |
| Participation rate | 35.3% | 75.1%-39.8pp | 72.4%-37.1pp | 80.3%-45.0pp |
| Annual return | 14.71% | 1033.03%-1018.3pp | 778.87%-764.2pp | 551.85%-537.1pp |
| Employer contribution / active EE | $487 | $3,087-84.2% | $2,916-83.3% | $4,662-89.5% |
| Participant deferral / active EE | $994 | $4,648-78.6% | $4,323-77.0% | $6,690-85.1% |
| Admin fee / account holder | $6,464 | $8,430-23.3% | $7,355-12.1% | $13,392-51.7% |