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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 | $24,059 | $111,830-78.5% | $93,696-74.3% | $145,884-83.5% |
| Participation rate | 69.2% | 74.2%-5.0pp | 68.7%+0.5pp | 80.3%-11.1pp |
| Annual return | 13.34% | 204.08%-190.7pp | 133.74%-120.4pp | 551.85%-538.5pp |
| Employer contribution / active EE | $1,548 | $3,093-50.0% | $2,422-36.1% | $4,662-66.8% |
| Participant deferral / active EE | $2,281 | $4,920-53.6% | $4,417-48.4% | $6,690-65.9% |
| Admin fee / account holder | $7,917 | $10,249-22.8% | $8,287-4.5% | $13,392-40.9% |