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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 | $18,852 | $123,854-84.8% | $69,623-72.9% | $145,884-87.1% |
| Participation rate | 52.6% | 69.2%-16.6pp | 66.4%-13.8pp | 80.3%-27.7pp |
| Annual return | 10.60% | 192.35%-181.7pp | 101.23%-90.6pp | 551.85%-541.2pp |
| Employer contribution / active EE | $990 | $2,673-63.0% | $1,709-42.1% | $4,662-78.8% |
| Participant deferral / active EE | $1,525 | $4,242-64.0% | $2,890-47.2% | $6,690-77.2% |
| Admin fee / account holder | $654 | $7,822-91.6% | $4,696-86.1% | $13,392-95.1% |