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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 | $28,837 | $29,319-1.6% | $52,425-45.0% | $82,448-65.0% |
| Participation rate | 55.3% | 46.9%+8.5pp | 55.6%-0.3pp | 68.1%-12.7pp |
| Annual return | 16.90% | 535.20%-518.3pp | 302.12%-285.2pp | 41.64%-24.7pp |
| Employer contribution / active EE | $1,248 | $586+112.8% | $914+36.5% | $2,551-51.1% |
| Participant deferral / active EE | $2,667 | $1,171+127.7% | $1,790+49.0% | $4,139-35.6% |
| Admin fee / account holder | $2,488 | $1,962+26.8% | $2,495-0.3% | $7,234-65.6% |