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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 | $70,056 | $99,011-29.2% | $86,582-19.1% | $147,586-52.5% |
| Participation rate | 52.6% | 76.3%-23.7pp | 73.5%-20.9pp | 82.8%-30.2pp |
| Annual return | 10.13% | 1312.75%-1302.6pp | 965.08%-955.0pp | 578.59%-568.5pp |
| Employer contribution / active EE | $1,145 | $3,132-63.5% | $2,839-59.7% | $4,876-76.5% |
| Participant deferral / active EE | $1,571 | $3,972-60.4% | $3,609-56.5% | $5,439-71.1% |
| Admin fee / account holder | $7,318 | $5,709+28.2% | $4,904+49.2% | $10,886-32.8% |