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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 | $27,543 | $183,516-85.0% | $155,534-82.3% | $145,884-81.1% |
| Participation rate | 60.0% | 82.7%-22.7pp | 78.2%-18.2pp | 80.3%-20.3pp |
| Annual return | 11.27% | 61.43%-50.2pp | 64.92%-53.6pp | 551.85%-540.6pp |
| Employer contribution / active EE | $2,162 | $5,315-59.3% | $4,675-53.7% | $4,662-53.6% |
| Participant deferral / active EE | $4,878 | $6,467-24.6% | $5,630-13.4% | $6,690-27.1% |
| Admin fee / account holder | $543 | $19,293-97.2% | $15,900-96.6% | $13,392-95.9% |