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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 | $14,979 | $29,319-48.9% | $52,425-71.4% | $82,448-81.8% |
| Participation rate | 60.9% | 46.9%+14.1pp | 55.6%+5.3pp | 68.1%-7.1pp |
| Annual return | 15.60% | 535.20%-519.6pp | 302.12%-286.5pp | 41.64%-26.0pp |
| Employer contribution / active EE | $647 | $586+10.4% | $914-29.2% | $2,551-74.6% |
| Participant deferral / active EE | $1,835 | $1,171+56.7% | $1,790+2.5% | $4,139-55.7% |
| Admin fee / account holder | $315 | $1,962-84.0% | $2,495-87.4% | $7,234-95.7% |