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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 | $17,735 | $96,388-81.6% | $80,627-78.0% | $139,466-87.3% |
| Participation rate | 64.7% | 73.6%-8.9pp | 67.0%-2.3pp | 80.3%-15.6pp |
| Annual return | 29.02% | 1352.08%-1323.1pp | 936.76%-907.7pp | 373.66%-344.6pp |
| Employer contribution / active EE | $3,217 | $3,260-1.3% | $2,723+18.2% | $4,754-32.3% |
| Participant deferral / active EE | $5,289 | $5,224+1.2% | $4,443+19.0% | $6,712-21.2% |
| Admin fee / account holder | $2,510 | $6,603-62.0% | $5,381-53.4% | $11,409-78.0% |