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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 | $25,697 | $104,924-75.5% | $84,623-69.6% | $152,885-83.2% |
| Participation rate | 54.2% | 74.8%-20.7pp | 68.2%-14.1pp | 82.5%-28.3pp |
| Annual return | 20.52% | 373.82%-353.3pp | 258.77%-238.2pp | 345.39%-324.9pp |
| Employer contribution / active EE | $1,186 | $3,302-64.1% | $2,652-55.3% | $4,763-75.1% |
| Participant deferral / active EE | $1,986 | $4,689-57.7% | $3,899-49.1% | $5,851-66.1% |
| Admin fee / account holder | $572 | $6,242-90.8% | $4,913-88.4% | $11,598-95.1% |