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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 | $27,043 | $88,815-69.6% | $81,882-67.0% | $145,897-81.5% |
| Participation rate | 61.9% | 75.1%-13.2pp | 72.4%-10.5pp | 80.3%-18.4pp |
| Annual return | 12.73% | 1033.75%-1021.0pp | 779.47%-766.7pp | 552.29%-539.6pp |
| Employer contribution / active EE | $2,969 | $3,086-3.8% | $2,916+1.8% | $4,663-36.3% |
| Participant deferral / active EE | $4,660 | $4,647+0.3% | $4,323+7.8% | $6,689-30.3% |
| Admin fee / account holder | $1,145 | $8,434-86.4% | $7,360-84.4% | $13,390-91.4% |