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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 | $57,728 | $58,234-0.9% | $81,783-29.4% | $80,874-28.6% |
| Participation rate | 56.6% | 63.4%-6.9pp | 72.4%-15.8pp | 67.6%-11.1pp |
| Annual return | 11.83% | 41.70%-29.9pp | 775.05%-763.2pp | 35.62%-23.8pp |
| Employer contribution / active EE | $1,356 | $2,341-42.1% | $2,913-53.4% | $2,756-50.8% |
| Participant deferral / active EE | $2,071 | $3,283-36.9% | $4,320-52.1% | $4,297-51.8% |
| Admin fee / account holder | $8,007 | $4,982+60.7% | $7,380+8.5% | $6,935+15.4% |