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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 | $43,804 | $88,815-50.7% | $81,882-46.5% | $145,897-70.0% |
| Participation rate | 33.3% | 75.1%-41.7pp | 72.4%-39.1pp | 80.3%-47.0pp |
| Annual return | 13.94% | 1033.75%-1019.8pp | 779.47%-765.5pp | 552.29%-538.3pp |
| Employer contribution / active EE | $3,584 | $3,086+16.1% | $2,916+22.9% | $4,663-23.1% |
| Participant deferral / active EE | $6,282 | $4,647+35.2% | $4,323+45.3% | $6,689-6.1% |
| Admin fee / account holder | $10,488 | $8,434+24.3% | $7,360+42.5% | $13,390-21.7% |