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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 | $14,923 | $103,038-85.5% | $90,324-83.5% | $152,909-90.2% |
| Participation rate | 69.6% | 75.9%-6.3pp | 73.3%-3.7pp | 82.5%-12.9pp |
| Annual return | 23.74% | 95.25%-71.5pp | 78.15%-54.4pp | 345.46%-321.7pp |
| Employer contribution / active EE | $2,610 | $3,141-16.9% | $2,856-8.6% | $4,764-45.2% |
| Participant deferral / active EE | $3,712 | $4,282-13.3% | $3,885-4.5% | $5,851-36.6% |
| Admin fee / account holder | $685 | $6,177-88.9% | $5,356-87.2% | $11,601-94.1% |