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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 | $13,731 | $169,237-91.9% | $129,339-89.4% | $145,978-90.6% |
| Participation rate | 52.9% | 76.5%-23.5pp | 69.6%-16.7pp | 80.3%-27.4pp |
| Annual return | 22.04% | 14364.43%-14342.4pp | 9437.05%-9415.0pp | 550.52%-528.5pp |
| Employer contribution / active EE | $1,176 | $5,540-78.8% | $4,154-71.7% | $4,662-74.8% |
| Participant deferral / active EE | $2,366 | $4,991-52.6% | $4,170-43.3% | $6,690-64.6% |
| Admin fee / account holder | $1,477 | $9,882-85.0% | $7,668-80.7% | $13,400-89.0% |