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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 | $12,128 | $96,678-87.5% | $86,640-86.0% | $139,466-91.3% |
| Participation rate | 54.5% | 74.4%-19.9pp | 71.7%-17.2pp | 80.3%-25.8pp |
| Annual return | 18.25% | 106.69%-88.4pp | 592.52%-574.3pp | 373.66%-355.4pp |
| Employer contribution / active EE | $894 | $3,265-72.6% | $3,024-70.4% | $4,754-81.2% |
| Participant deferral / active EE | $1,227 | $4,837-74.6% | $4,438-72.4% | $6,712-81.7% |
| Admin fee / account holder | $735 | $6,410-88.5% | $5,616-86.9% | $11,409-93.6% |