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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 | $29,005 | $88,778-67.3% | $81,844-64.6% | $145,884-80.1% |
| Participation rate | 44.4% | 75.1%-30.6pp | 72.4%-27.9pp | 80.3%-35.9pp |
| Annual return | 13.88% | 1033.03%-1019.1pp | 778.87%-765.0pp | 551.85%-538.0pp |
| Employer contribution / active EE | $1,561 | $3,087-49.4% | $2,916-46.5% | $4,662-66.5% |
| Participant deferral / active EE | $3,344 | $4,648-28.1% | $4,323-22.7% | $6,690-50.0% |
| Admin fee / account holder | $1,065 | $8,430-87.4% | $7,355-85.5% | $13,392-92.0% |