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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 | $46,736 | $101,591-54.0% | $147,096-68.2% | $74,429-37.2% |
| Participation rate | 44.4% | 75.5%-31.2pp | 82.2%-37.8pp | 67.2%-22.9pp |
| Annual return | 33.13% | 8746.45%-8713.3pp | 419.75%-386.6pp | 1368.38%-1335.3pp |
| Employer contribution / active EE | $2,156 | $3,813-43.4% | $4,936-56.3% | $2,625-17.8% |
| Participant deferral / active EE | $3,276 | $7,302-55.1% | $8,071-59.4% | $4,348-24.7% |
| Admin fee / account holder | $3,098 | $1,750+77.0% | $13,005-76.2% | $1,944+59.3% |