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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 | $152,464 | $289,211-47.3% | $260,467-41.5% | $198,609-23.2% |
| Participation rate | 57.1% | 83.1%-26.0pp | 80.5%-23.3pp | 82.4%-25.2pp |
| Annual return | 16.28% | 112.90%-96.6pp | 100.60%-84.3pp | 202.70%-186.4pp |
| Employer contribution / active EE | $496 | $4,663-89.4% | $4,239-88.3% | $5,055-90.2% |
| Participant deferral / active EE | $2,953 | $6,812-56.6% | $6,319-53.3% | $6,977-57.7% |
| Admin fee / account holder | $559 | $16,236-96.6% | $15,461-96.4% | $19,030-97.1% |