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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 | $11,885 | $169,361-93.0% | $129,397-90.8% | $145,877-91.9% |
| Participation rate | 33.3% | 76.5%-43.1pp | 69.6%-36.3pp | 80.3%-47.0pp |
| Annual return | 9.94% | 14395.54%-14385.6pp | 9453.98%-9444.0pp | 551.28%-541.3pp |
| Employer contribution / active EE | $1,056 | $5,542-81.0% | $4,154-74.6% | $4,663-77.4% |
| Participant deferral / active EE | $1,853 | $4,987-62.8% | $4,167-55.5% | $6,691-72.3% |
| Admin fee / account holder | $20,623 | $9,903+108.3% | $7,679+168.6% | $13,402+53.9% |