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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 | $15,728 | $58,258-73.0% | $81,820-80.8% | $80,925-80.6% |
| Participation rate | 66.7% | 63.5%+3.2pp | 72.4%-5.7pp | 67.7%-1.0pp |
| Annual return | 42.30% | 41.76%+0.5pp | 777.93%-735.6pp | 35.65%+6.7pp |
| Employer contribution / active EE | $1,833 | $2,345-21.9% | $2,915-37.1% | $2,756-33.5% |
| Participant deferral / active EE | $3,983 | $3,284+21.3% | $4,323-7.8% | $4,299-7.3% |
| Admin fee / account holder | $916 | $4,976-81.6% | $7,391-87.6% | $6,940-86.8% |