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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 | $25,802 | $29,319-12.0% | $52,425-50.8% | $82,448-68.7% |
| Participation rate | 37.5% | 46.9%-9.4pp | 55.6%-18.1pp | 68.1%-30.6pp |
| Annual return | 18.68% | 535.20%-516.5pp | 302.12%-283.4pp | 41.64%-23.0pp |
| Employer contribution / active EE | $892 | $586+52.1% | $914-2.4% | $2,551-65.0% |
| Participant deferral / active EE | $2,166 | $1,171+85.0% | $1,790+21.0% | $4,139-47.7% |
| Admin fee / account holder | $1,317 | $1,962-32.9% | $2,495-47.2% | $7,234-81.8% |