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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 | $9,577 | $76,522-87.5% | $56,033-82.9% | $145,884-93.4% |
| Participation rate | 33.3% | 63.2%-29.9pp | 52.5%-19.2pp | 80.3%-47.0pp |
| Annual return | 13.85% | 3014.28%-3000.4pp | 1711.38%-1697.5pp | 551.85%-538.0pp |
| Employer contribution / active EE | $1,398 | $1,382+1.1% | $1,041+34.3% | $4,662-70.0% |
| Participant deferral / active EE | $2,675 | $2,624+1.9% | $1,954+36.9% | $6,690-60.0% |
| Admin fee / account holder | $494 | $3,328-85.2% | $2,827-82.5% | $13,392-96.3% |