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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 | $8,383 | $123,750-93.2% | $69,611-88.0% | $145,877-94.3% |
| Participation rate | 60.0% | 69.2%-9.2pp | 66.4%-6.4pp | 80.3%-20.3pp |
| Annual return | 14.14% | 192.03%-177.9pp | 101.14%-87.0pp | 551.28%-537.1pp |
| Employer contribution / active EE | $1,226 | $2,672-54.1% | $1,709-28.3% | $4,663-73.7% |
| Participant deferral / active EE | $1,640 | $4,243-61.4% | $2,891-43.3% | $6,691-75.5% |
| Admin fee / account holder | $3,398 | $7,817-56.5% | $4,696-27.6% | $13,402-74.6% |