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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 | $27,468 | $24,891+10.4% | $69,632-60.6% | $74,478-63.1% |
| Participation rate | 68.6% | 63.4%+5.2pp | 66.4%+2.2pp | 67.2%+1.4pp |
| Annual return | 13.86% | 18.53%-4.7pp | 101.32%-87.5pp | 1370.56%-1356.7pp |
| Employer contribution / active EE | $1,563 | $1,005+55.5% | $1,708-8.5% | $2,626-40.5% |
| Participant deferral / active EE | $2,875 | $1,908+50.7% | $2,889-0.5% | $4,350-33.9% |
| Admin fee / account holder | $3,754 | $1,904+97.1% | $4,695-20.0% | $1,946+93.0% |