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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 | $87,531 | $112,933-22.5% | $90,970-3.8% | $158,982-44.9% |
| Participation rate | 50.0% | 74.7%-24.7pp | 69.0%-19.0pp | 82.0%-32.0pp |
| Annual return | 28.30% | 215.82%-187.5pp | 134.60%-106.3pp | 302.99%-274.7pp |
| Employer contribution / active EE | $2,738 | $2,893-5.4% | $2,122+29.0% | $4,763-42.5% |
| Participant deferral / active EE | $7,089 | $4,128+71.7% | $3,373+110.2% | $5,983+18.5% |
| Admin fee / account holder | $336 | $8,047-95.8% | $5,961-94.4% | $11,252-97.0% |