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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 | $90,294 | $185,905-51.4% | $170,057-46.9% | $139,487-35.3% |
| Participation rate | 50.0% | 87.8%-37.8pp | 87.0%-37.0pp | 80.3%-30.3pp |
| Annual return | 17.94% | 60.56%-42.6pp | 53.42%-35.5pp | 373.84%-355.9pp |
| Employer contribution / active EE | $12,303 | $7,597+61.9% | $6,790+81.2% | $4,755+158.8% |
| Participant deferral / active EE | $10,320 | $11,627-11.2% | $10,411-0.9% | $6,713+53.7% |
| Admin fee / account holder | $21,013 | $15,397+36.5% | $12,826+63.8% | $11,407+84.2% |