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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 | $34,169 | $169,361-79.8% | $129,397-73.6% | $145,877-76.6% |
| Participation rate | 66.7% | 76.5%-9.8pp | 69.6%-3.0pp | 80.3%-13.6pp |
| Annual return | 14.07% | 14395.54%-14381.5pp | 9453.98%-9439.9pp | 551.28%-537.2pp |
| Employer contribution / active EE | $1,873 | $5,542-66.2% | $4,154-54.9% | $4,663-59.8% |
| Participant deferral / active EE | $3,715 | $4,987-25.5% | $4,167-10.9% | $6,691-44.5% |
| Admin fee / account holder | $917 | $9,903-90.7% | $7,679-88.1% | $13,402-93.2% |