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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 | $29,903 | $65,555-54.4% | $86,216-65.3% | $75,173-60.2% |
| Participation rate | 62.7% | 60.5%+2.3pp | 69.0%-6.2pp | 67.2%-4.5pp |
| Annual return | 29.95% | 46.07%-16.1pp | 1169.42%-1139.5pp | 160.72%-130.8pp |
| Employer contribution / active EE | $1,535 | $1,553-1.1% | $2,382-35.5% | $2,671-42.5% |
| Participant deferral / active EE | $3,655 | $3,023+20.9% | $3,986-8.3% | $4,126-11.4% |
| Admin fee / account holder | $589 | $5,469-89.2% | $6,853-91.4% | $5,651-89.6% |