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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 | $140,781 | $154,193-8.7% | $130,045+8.3% | $139,466+0.9% |
| Participation rate | 50.0% | 82.0%-32.0pp | 78.5%-28.5pp | 80.3%-30.3pp |
| Annual return | 29.26% | 32.51%-3.3pp | -137.30%+166.6pp | 373.66%-344.4pp |
| Employer contribution / active EE | $7,108 | $5,292+34.3% | $4,321+64.5% | $4,754+49.5% |
| Participant deferral / active EE | $12,104 | $6,709+80.4% | $5,820+108.0% | $6,712+80.3% |
| Admin fee / account holder | $532 | $13,989-96.2% | $10,600-95.0% | $11,409-95.3% |