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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 | $7,307 | $29,319-75.1% | $52,425-86.1% | $82,448-91.1% |
| Participation rate | 63.4% | 46.9%+16.6pp | 55.6%+7.8pp | 68.1%-4.7pp |
| Annual return | 24.78% | 535.20%-510.4pp | 302.12%-277.3pp | 41.64%-16.9pp |
| Employer contribution / active EE | $736 | $586+25.5% | $914-19.5% | $2,551-71.2% |
| Participant deferral / active EE | $1,828 | $1,171+56.1% | $1,790+2.1% | $4,139-55.8% |
| Admin fee / account holder | $596 | $1,962-69.6% | $2,495-76.1% | $7,234-91.8% |