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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 | $67,928 | $65,566+3.6% | $86,235-21.2% | $75,177-9.6% |
| Participation rate | 32.4% | 60.5%-28.1pp | 69.0%-36.5pp | 67.2%-34.8pp |
| Annual return | 17.07% | 46.07%-29.0pp | 1170.03%-1153.0pp | 160.75%-143.7pp |
| Employer contribution / active EE | $1,542 | $1,553-0.7% | $2,381-35.3% | $2,671-42.3% |
| Participant deferral / active EE | $3,996 | $3,023+32.2% | $3,987+0.2% | $4,126-3.2% |
| Admin fee / account holder | $720 | $5,470-86.8% | $6,856-89.5% | $5,651-87.3% |