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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 | $17,997 | $115,810-84.5% | $101,271-82.2% | $158,966-88.7% |
| Participation rate | 64.3% | 79.4%-15.1pp | 75.8%-11.5pp | 82.0%-17.7pp |
| Annual return | 17.82% | 56.15%-38.3pp | 46.48%-28.7pp | 302.95%-285.1pp |
| Employer contribution / active EE | $1,098 | $4,175-73.7% | $3,660-70.0% | $4,762-76.9% |
| Participant deferral / active EE | $4,772 | $4,958-3.7% | $4,371+9.2% | $5,983-20.2% |
| Admin fee / account holder | $1,427 | $7,248-80.3% | $5,948-76.0% | $11,250-87.3% |