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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 | $33,400 | $88,815-62.4% | $81,882-59.2% | $145,897-77.1% |
| Participation rate | 38.5% | 75.1%-36.6pp | 72.4%-33.9pp | 80.3%-41.8pp |
| Annual return | 9.59% | 1033.75%-1024.2pp | 779.47%-769.9pp | 552.29%-542.7pp |
| Employer contribution / active EE | $2,309 | $3,086-25.2% | $2,916-20.8% | $4,663-50.5% |
| Participant deferral / active EE | $2,693 | $4,647-42.1% | $4,323-37.7% | $6,689-59.7% |
| Admin fee / account holder | $461 | $8,434-94.5% | $7,360-93.7% | $13,390-96.6% |