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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 | $23,974 | $107,368-77.7% | $92,915-74.2% | $152,909-84.3% |
| Participation rate | 66.7% | 79.8%-13.1pp | 76.0%-9.3pp | 82.5%-15.8pp |
| Annual return | 20.67% | 145.64%-125.0pp | 109.45%-88.8pp | 345.46%-324.8pp |
| Employer contribution / active EE | $2,080 | $4,222-50.7% | $3,653-43.1% | $4,764-56.3% |
| Participant deferral / active EE | $4,998 | $4,848+3.1% | $4,238+17.9% | $5,851-14.6% |
| Admin fee / account holder | $547 | $7,082-92.3% | $5,796-90.6% | $11,601-95.3% |