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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 | $24,531 | $67,823-63.8% | $52,425-53.2% | $137,256-82.1% |
| Participation rate | 68.2% | 63.9%+4.3pp | 55.6%+12.6pp | 80.0%-11.8pp |
| Annual return | 23.18% | 219.11%-195.9pp | 302.12%-278.9pp | 220.34%-197.2pp |
| Employer contribution / active EE | $1,618 | $1,163+39.1% | $914+77.0% | $4,156-61.1% |
| Participant deferral / active EE | $3,938 | $2,288+72.1% | $1,790+119.9% | $6,407-38.5% |
| Admin fee / account holder | $1,266 | $2,844-55.5% | $2,495-49.3% | $12,270-89.7% |