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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 | $23,069 | $111,830-79.4% | $93,696-75.4% | $145,884-84.2% |
| Participation rate | 57.1% | 74.2%-17.1pp | 68.7%-11.6pp | 80.3%-23.2pp |
| Annual return | 13.12% | 204.08%-191.0pp | 133.74%-120.6pp | 551.85%-538.7pp |
| Employer contribution / active EE | $951 | $3,093-69.3% | $2,422-60.7% | $4,662-79.6% |
| Participant deferral / active EE | $1,313 | $4,920-73.3% | $4,417-70.3% | $6,690-80.4% |
| Admin fee / account holder | $1,265 | $10,249-87.7% | $8,287-84.7% | $13,392-90.6% |