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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 | $72,493 | $165,381-56.2% | $149,730-51.6% | $158,966-54.4% |
| Participation rate | 66.7% | 84.6%-17.9pp | 82.5%-15.8pp | 82.0%-15.3pp |
| Annual return | 34.55% | 348.29%-313.7pp | 276.70%-242.1pp | 302.95%-268.4pp |
| Employer contribution / active EE | $7,675 | $5,104+50.4% | $4,645+65.2% | $4,762+61.2% |
| Participant deferral / active EE | $4,339 | $7,182-39.6% | $6,843-36.6% | $5,983-27.5% |
| Admin fee / account holder | $867 | $10,809-92.0% | $9,310-90.7% | $11,250-92.3% |