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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 | $68,019 | $72,071-5.6% | $68,368-0.5% | $137,256-50.4% |
| Participation rate | 50.0% | 76.2%-26.2pp | 73.8%-23.8pp | 80.0%-30.0pp |
| Annual return | 18.99% | 353.14%-334.2pp | 292.57%-273.6pp | 220.34%-201.4pp |
| Employer contribution / active EE | $1,556 | $2,788-44.2% | $2,649-41.3% | $4,156-62.6% |
| Participant deferral / active EE | $4,062 | $4,410-7.9% | $4,123-1.5% | $6,407-36.6% |
| Admin fee / account holder | $18,124 | $5,336+239.7% | $5,150+251.9% | $12,270+47.7% |