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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 | $58,275-0.9% | $81,844-29.5% | $80,935-28.7% |
| Participation rate | 56.6% | 63.5%-6.9pp | 72.4%-15.8pp | 67.7%-11.1pp |
| Annual return | 11.83% | 41.82%-30.0pp | 778.87%-767.0pp | 35.66%-23.8pp |
| Employer contribution / active EE | $1,356 | $2,346-42.2% | $2,916-53.5% | $2,757-50.8% |
| Participant deferral / active EE | $2,071 | $3,285-37.0% | $4,323-52.1% | $4,299-51.8% |
| Admin fee / account holder | $8,007 | $4,749+68.6% | $7,355+8.9% | $6,924+15.6% |