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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 | $27,656 | $169,161-83.7% | $129,295-78.6% | $145,959-81.1% |
| Participation rate | 52.4% | 76.5%-24.1pp | 69.6%-17.2pp | 80.3%-27.9pp |
| Annual return | 29.28% | 14348.07%-14318.8pp | 9429.28%-9400.0pp | 561.95%-532.7pp |
| Employer contribution / active EE | $2,041 | $5,543-63.2% | $4,157-50.9% | $4,661-56.2% |
| Participant deferral / active EE | $4,443 | $4,989-11.0% | $4,169+6.6% | $6,689-33.6% |
| Admin fee / account holder | $1,153 | $9,878-88.3% | $7,665-85.0% | $13,398-91.4% |