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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 | $80,889 | $165,399-51.1% | $149,745-46.0% | $158,982-49.1% |
| Participation rate | 50.0% | 84.6%-34.6pp | 82.5%-32.5pp | 82.0%-32.0pp |
| Annual return | 20.28% | 348.34%-328.1pp | 276.72%-256.4pp | 302.99%-282.7pp |
| Employer contribution / active EE | $7,337 | $5,105+43.7% | $4,646+57.9% | $4,763+54.0% |
| Participant deferral / active EE | $7,079 | $7,183-1.5% | $6,843+3.4% | $5,983+18.3% |
| Admin fee / account holder | $709 | $10,811-93.4% | $9,312-92.4% | $11,252-93.7% |