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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 | $17,677 | $202,440-91.3% | $169,390-89.6% | $139,466-87.3% |
| Participation rate | 58.3% | 81.1%-22.8pp | 77.2%-18.8pp | 80.3%-22.0pp |
| Annual return | 19.55% | 532.36%-512.8pp | 406.07%-386.5pp | 373.66%-354.1pp |
| Employer contribution / active EE | $977 | $4,693-79.2% | $4,013-75.6% | $4,754-79.4% |
| Participant deferral / active EE | $2,498 | $6,940-64.0% | $6,222-59.9% | $6,712-62.8% |
| Admin fee / account holder | $590 | $10,722-94.5% | $9,015-93.5% | $11,409-94.8% |