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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 | $23,180 | $65,555-64.6% | $86,216-73.1% | $75,173-69.2% |
| Participation rate | 66.0% | 60.5%+5.5pp | 69.0%-3.0pp | 67.2%-1.2pp |
| Annual return | 19.75% | 46.07%-26.3pp | 1169.42%-1149.7pp | 160.72%-141.0pp |
| Employer contribution / active EE | $2,673 | $1,553+72.1% | $2,382+12.2% | $2,671+0.1% |
| Participant deferral / active EE | $4,166 | $3,023+37.8% | $3,986+4.5% | $4,126+1.0% |
| Admin fee / account holder | $404 | $5,469-92.6% | $6,853-94.1% | $5,651-92.9% |