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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 | $65,920 | $65,555+0.6% | $86,216-23.5% | $75,173-12.3% |
| Participation rate | 67.1% | 60.5%+6.7pp | 69.0%-1.8pp | 67.2%-0.1pp |
| Annual return | 20.31% | 46.07%-25.8pp | 1169.42%-1149.1pp | 160.72%-140.4pp |
| Employer contribution / active EE | $2,153 | $1,553+38.6% | $2,382-9.6% | $2,671-19.4% |
| Participant deferral / active EE | $3,671 | $3,023+21.4% | $3,986-7.9% | $4,126-11.0% |
| Admin fee / account holder | $650 | $5,469-88.1% | $6,853-90.5% | $5,651-88.5% |