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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 | $165,416 | $148,582+11.3% | $135,942+21.7% | $139,456+18.6% |
| Participation rate | 63.6% | 83.9%-20.2pp | 81.9%-18.3pp | 80.3%-16.7pp |
| Annual return | 18.72% | 79.26%-60.5pp | 68.28%-49.6pp | 373.45%-354.7pp |
| Employer contribution / active EE | $0 | $5,245-100.0% | $4,858-100.0% | $4,753-100.0% |
| Participant deferral / active EE | $7,490 | $8,101-7.6% | $7,759-3.5% | $6,711+11.6% |
| Admin fee / account holder | $2,415 | $12,402-80.5% | $10,764-77.6% | $11,407-78.8% |