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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 | $12,782 | $76,519-83.3% | $56,025-77.2% | $145,897-91.2% |
| Participation rate | 11.1% | 63.2%-52.1pp | 52.5%-41.4pp | 80.3%-69.2pp |
| Annual return | 10.58% | 3017.03%-3006.5pp | 1712.69%-1702.1pp | 552.29%-541.7pp |
| Employer contribution / active EE | $1,394 | $1,383+0.8% | $1,042+33.8% | $4,663-70.1% |
| Participant deferral / active EE | $3,194 | $2,624+21.7% | $1,955+63.4% | $6,689-52.3% |
| Admin fee / account holder | $8,113 | $3,331+143.6% | $2,828+186.8% | $13,390-39.4% |