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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 | $28,200 | $169,356-83.3% | $129,406-78.2% | $145,897-80.7% |
| Participation rate | 66.7% | 76.5%-9.8pp | 69.6%-3.0pp | 80.3%-13.6pp |
| Annual return | 10.12% | 14418.62%-14408.5pp | 9468.18%-9458.1pp | 552.29%-542.2pp |
| Employer contribution / active EE | $1,958 | $5,542-64.7% | $4,155-52.9% | $4,663-58.0% |
| Participant deferral / active EE | $3,941 | $4,987-21.0% | $4,167-5.4% | $6,689-41.1% |
| Admin fee / account holder | $576 | $9,915-94.2% | $7,689-92.5% | $13,390-95.7% |