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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 | $22,514 | $107,368-79.0% | $92,915-75.8% | $152,909-85.3% |
| Participation rate | 69.2% | 79.8%-10.6pp | 76.0%-6.8pp | 82.5%-13.2pp |
| Annual return | 25.35% | 145.64%-120.3pp | 109.45%-84.1pp | 345.46%-320.1pp |
| Employer contribution / active EE | $1,415 | $4,222-66.5% | $3,653-61.3% | $4,764-70.3% |
| Participant deferral / active EE | $2,772 | $4,848-42.8% | $4,238-34.6% | $5,851-52.6% |
| Admin fee / account holder | $325 | $7,082-95.4% | $5,796-94.4% | $11,601-97.2% |