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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 | $17,053 | $110,551-84.6% | $80,741-78.9% | $167,518-89.8% |
| Participation rate | 66.7% | 64.0%+2.7pp | 54.2%+12.5pp | 82.1%-15.4pp |
| Annual return | 16.03% | 120.57%-104.5pp | 87.30%-71.3pp | 478.71%-462.7pp |
| Employer contribution / active EE | $1,346 | $1,543-12.7% | $1,160+16.1% | $4,838-72.2% |
| Participant deferral / active EE | $3,578 | $2,870+24.7% | $2,145+66.8% | $6,342-43.6% |
| Admin fee / account holder | $1,554 | $4,547-65.8% | $3,380-54.0% | $12,312-87.4% |