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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 | $76,611 | $129,737-40.9% | $119,126-35.7% | $154,746-50.5% |
| Participation rate | 50.0% | 78.9%-28.9pp | 75.8%-25.8pp | 80.7%-30.7pp |
| Annual return | 17.71% | 379.08%-361.4pp | 282.11%-264.4pp | 172.34%-154.6pp |
| Employer contribution / active EE | $1,725 | $4,375-60.6% | $4,034-57.2% | $4,379-60.6% |
| Participant deferral / active EE | $6,118 | $5,842+4.7% | $5,318+15.1% | $6,730-9.1% |
| Admin fee / account holder | $354 | $11,961-97.0% | $10,693-96.7% | $14,365-97.5% |