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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 | $60,890 | $198,457-69.3% | $170,435-64.3% | $147,586-58.7% |
| Participation rate | 63.6% | 88.0%-24.3pp | 83.6%-20.0pp | 82.8%-19.2pp |
| Annual return | 14.92% | 257.30%-242.4pp | 205.94%-191.0pp | 578.59%-563.7pp |
| Employer contribution / active EE | $1,908 | $6,183-69.1% | $5,432-64.9% | $4,876-60.9% |
| Participant deferral / active EE | $9,613 | $5,629+70.8% | $4,939+94.6% | $5,439+76.7% |
| Admin fee / account holder | $606 | $16,852-96.4% | $13,881-95.6% | $10,886-94.4% |