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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 | $69,728 | $157,304-55.7% | $141,197-50.6% | $152,909-54.4% |
| Participation rate | 59.1% | 84.8%-25.7pp | 82.5%-23.4pp | 82.5%-23.4pp |
| Annual return | 23.30% | 64.34%-41.0pp | 71.41%-48.1pp | 345.46%-322.2pp |
| Employer contribution / active EE | $2,533 | $5,263-51.9% | $4,736-46.5% | $4,764-46.8% |
| Participant deferral / active EE | $7,093 | $7,111-0.2% | $6,710+5.7% | $5,851+21.2% |
| Admin fee / account holder | $5,283 | $12,126-56.4% | $10,265-48.5% | $11,601-54.5% |