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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 | $25,230 | $105,200-76.0% | $159,474-84.2% | $85,847-70.6% |
| Participation rate | 60.8% | 75.8%-15.0pp | 82.8%-22.0pp | 69.3%-8.5pp |
| Annual return | 20.60% | 45.08%-24.5pp | 263.68%-243.1pp | 318.61%-298.0pp |
| Employer contribution / active EE | $1,497 | $3,319-54.9% | $4,831-69.0% | $2,565-41.6% |
| Participant deferral / active EE | $3,005 | $5,946-49.5% | $7,353-59.1% | $3,952-24.0% |
| Admin fee / account holder | $754 | $6,934-89.1% | $10,802-93.0% | $6,261-88.0% |