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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 | $26,370 | $29,319-10.1% | $52,425-49.7% | $82,448-68.0% |
| Participation rate | 53.0% | 46.9%+6.2pp | 55.6%-2.6pp | 68.1%-15.0pp |
| Annual return | 19.91% | 535.20%-515.3pp | 302.12%-282.2pp | 41.64%-21.7pp |
| Employer contribution / active EE | $772 | $586+31.7% | $914-15.5% | $2,551-69.7% |
| Participant deferral / active EE | $2,603 | $1,171+122.3% | $1,790+45.4% | $4,139-37.1% |
| Admin fee / account holder | $1,074 | $1,962-45.3% | $2,495-57.0% | $7,234-85.2% |