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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 | $133,236 | $129,737+2.7% | $119,126+11.8% | $154,746-13.9% |
| Participation rate | 44.4% | 78.9%-34.4pp | 75.8%-31.3pp | 80.7%-36.3pp |
| Annual return | 10.49% | 379.08%-368.6pp | 282.11%-271.6pp | 172.34%-161.8pp |
| Employer contribution / active EE | $4,943 | $4,375+13.0% | $4,034+22.5% | $4,379+12.9% |
| Participant deferral / active EE | $7,873 | $5,842+34.8% | $5,318+48.0% | $6,730+17.0% |
| Admin fee / account holder | $632 | $11,961-94.7% | $10,693-94.1% | $14,365-95.6% |