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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 | $27,235 | $30,437-10.5% | $56,033-51.4% | $74,459-63.4% |
| Participation rate | 61.4% | 32.9%+28.5pp | 52.5%+8.9pp | 67.2%-5.8pp |
| Annual return | 14.25% | 24.96%-10.7pp | 1711.38%-1697.1pp | 1369.70%-1355.5pp |
| Employer contribution / active EE | $1,248 | $610+104.7% | $1,041+19.9% | $2,626-52.5% |
| Participant deferral / active EE | $2,460 | $1,176+109.3% | $1,954+25.9% | $4,350-43.4% |
| Admin fee / account holder | $1,591 | $2,363-32.7% | $2,827-43.7% | $1,945-18.2% |