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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 | $32,463 | $60,139-46.0% | $90,461-64.1% | $79,856-59.3% |
| Participation rate | 34.5% | 65.0%-30.5pp | 72.7%-38.2pp | 69.6%-35.2pp |
| Annual return | 17.35% | 71.96%-54.6pp | 1294.76%-1277.4pp | 31.71%-14.4pp |
| Employer contribution / active EE | $851 | $2,069-58.9% | $3,264-73.9% | $2,471-65.6% |
| Participant deferral / active EE | $1,932 | $2,939-34.2% | $3,964-51.3% | $3,741-48.3% |
| Admin fee / account holder | $968 | $3,978-75.7% | $5,617-82.8% | $5,306-81.8% |