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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 | $184,041 | $173,526+6.1% | $136,072+35.3% | $145,884+26.2% |
| Participation rate | 44.4% | 80.4%-36.0pp | 76.4%-32.0pp | 80.3%-35.9pp |
| Annual return | 14.81% | 1167.12%-1152.3pp | 580.46%-565.7pp | 551.85%-537.0pp |
| Employer contribution / active EE | $2,583 | $5,285-51.1% | $4,216-38.7% | $4,662-44.6% |
| Participant deferral / active EE | $3,472 | $8,711-60.1% | $7,028-50.6% | $6,690-48.1% |
| Admin fee / account holder | $1,836 | $9,665-81.0% | $6,718-72.7% | $13,392-86.3% |