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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 | $5,616 | $29,319-80.8% | $52,425-89.3% | $82,448-93.2% |
| Participation rate | 59.0% | 46.9%+12.1pp | 55.6%+3.4pp | 68.1%-9.1pp |
| Annual return | 24.44% | 535.20%-510.8pp | 302.12%-277.7pp | 41.64%-17.2pp |
| Employer contribution / active EE | $888 | $586+51.5% | $914-2.8% | $2,551-65.2% |
| Participant deferral / active EE | $2,171 | $1,171+85.4% | $1,790+21.3% | $4,139-47.5% |
| Admin fee / account holder | $388 | $1,962-80.2% | $2,495-84.4% | $7,234-94.6% |