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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 | $76,828 | $176,077-56.4% | $159,455-51.8% | $167,518-54.1% |
| Participation rate | 50.0% | 84.9%-34.9pp | 82.8%-32.8pp | 82.1%-32.1pp |
| Annual return | 21.50% | 331.83%-310.3pp | 263.63%-242.1pp | 478.71%-457.2pp |
| Employer contribution / active EE | $2,062 | $5,298-61.1% | $4,830-57.3% | $4,838-57.4% |
| Participant deferral / active EE | $7,052 | $7,751-9.0% | $7,353-4.1% | $6,342+11.2% |
| Admin fee / account holder | $553 | $12,556-95.6% | $10,800-94.9% | $12,312-95.5% |