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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 | $28,569 | $111,535-74.4% | $105,223-72.8% | $137,256-79.2% |
| Participation rate | 68.2% | 78.1%-9.9pp | 75.0%-6.9pp | 80.0%-11.8pp |
| Annual return | 19.49% | 237.85%-218.4pp | 180.65%-161.2pp | 220.34%-200.9pp |
| Employer contribution / active EE | $1,706 | $3,939-56.7% | $3,689-53.7% | $4,156-58.9% |
| Participant deferral / active EE | $2,827 | $5,500-48.6% | $5,072-44.3% | $6,407-55.9% |
| Admin fee / account holder | $687 | $9,721-92.9% | $8,859-92.2% | $12,270-94.4% |