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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 | $22,966 | $165,361-86.1% | $149,715-84.7% | $158,950-85.6% |
| Participation rate | 63.2% | 84.6%-21.4pp | 82.5%-19.3pp | 82.0%-18.8pp |
| Annual return | 25.73% | 348.24%-322.5pp | 276.66%-250.9pp | 302.91%-277.2pp |
| Employer contribution / active EE | $1,202 | $5,103-76.4% | $4,645-74.1% | $4,762-74.7% |
| Participant deferral / active EE | $3,953 | $7,182-44.9% | $6,842-42.2% | $5,983-33.9% |
| Admin fee / account holder | $377 | $10,808-96.5% | $9,310-96.0% | $11,248-96.7% |