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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 | $23,588 | $63,346-62.8% | $92,240-74.4% | $70,126-66.4% |
| Participation rate | 62.1% | 68.7%-6.6pp | 76.5%-14.4pp | 69.5%-7.5pp |
| Annual return | 19.99% | 530.19%-510.2pp | 176.29%-156.3pp | 73.15%-53.2pp |
| Employer contribution / active EE | $1,849 | $2,471-25.2% | $3,680-49.7% | $2,343-21.1% |
| Participant deferral / active EE | $3,828 | $2,854+34.1% | $3,897-1.8% | $3,332+14.9% |
| Admin fee / account holder | $1,501 | $3,841-60.9% | $5,194-71.1% | $4,645-67.7% |