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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 | $59,851 | $65,555-8.7% | $86,216-30.6% | $75,173-20.4% |
| Participation rate | 63.2% | 60.5%+2.8pp | 69.0%-5.7pp | 67.2%-4.0pp |
| Annual return | 16.31% | 46.07%-29.8pp | 1169.42%-1153.1pp | 160.72%-144.4pp |
| Employer contribution / active EE | $1,345 | $1,553-13.4% | $2,382-43.5% | $2,671-49.6% |
| Participant deferral / active EE | $3,075 | $3,023+1.7% | $3,986-22.9% | $4,126-25.5% |
| Admin fee / account holder | $982 | $5,469-82.0% | $6,853-85.7% | $5,651-82.6% |