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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 | $13,386 | $72,446-81.5% | $67,561-80.2% | $145,877-90.8% |
| Participation rate | 50.0% | 76.9%-26.9pp | 72.9%-22.9pp | 80.3%-30.3pp |
| Annual return | 13.19% | 7211.98%-7198.8pp | 3525.44%-3512.3pp | 551.28%-538.1pp |
| Employer contribution / active EE | $1,783 | $3,072-42.0% | $2,735-34.8% | $4,663-61.8% |
| Participant deferral / active EE | $3,074 | $4,785-35.8% | $4,003-23.2% | $6,691-54.1% |
| Admin fee / account holder | $1,402 | $5,541-74.7% | $4,006-65.0% | $13,402-89.5% |