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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 | $9,959 | $81,749-87.8% | $58,544-83.0% | $139,456-92.9% |
| Participation rate | 52.6% | 61.3%-8.7pp | 50.9%+1.8pp | 80.3%-27.7pp |
| Annual return | 11.02% | 7425.45%-7414.4pp | 4249.56%-4238.5pp | 373.45%-362.4pp |
| Employer contribution / active EE | $748 | $1,398-46.5% | $1,053-29.0% | $4,753-84.3% |
| Participant deferral / active EE | $3,333 | $2,555+30.5% | $1,923+73.3% | $6,711-50.3% |
| Admin fee / account holder | $570 | $3,272-82.6% | $2,520-77.4% | $11,407-95.0% |