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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 | $59,455 | $102,595-42.0% | $94,057-36.8% | $154,746-61.6% |
| Participation rate | 31.6% | 76.0%-44.4pp | 73.3%-41.8pp | 80.7%-49.1pp |
| Annual return | 19.94% | 583.42%-563.5pp | 480.62%-460.7pp | 172.34%-152.4pp |
| Employer contribution / active EE | $1,400 | $3,147-55.5% | $2,933-52.3% | $4,379-68.0% |
| Participant deferral / active EE | $3,647 | $5,118-28.7% | $4,709-22.6% | $6,730-45.8% |
| Admin fee / account holder | $665 | $7,736-91.4% | $7,244-90.8% | $14,365-95.4% |