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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 | $25,306 | $63,346-60.1% | $92,240-72.6% | $70,126-63.9% |
| Participation rate | 66.7% | 68.7%-2.0pp | 76.5%-9.8pp | 69.5%-2.9pp |
| Annual return | 19.41% | 530.19%-510.8pp | 176.29%-156.9pp | 73.15%-53.7pp |
| Employer contribution / active EE | $2,600 | $2,471+5.2% | $3,680-29.3% | $2,343+11.0% |
| Participant deferral / active EE | $1,539 | $2,854-46.1% | $3,897-60.5% | $3,332-53.8% |
| Admin fee / account holder | $566 | $3,841-85.3% | $5,194-89.1% | $4,645-87.8% |