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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 | $173,447 | $159,934+8.4% | $147,005+18.0% | $145,959+18.8% |
| Participation rate | 55.6% | 84.0%-28.4pp | 82.2%-26.6pp | 80.3%-24.7pp |
| Annual return | 14.20% | 98.24%-84.0pp | 418.76%-404.6pp | 561.95%-547.7pp |
| Employer contribution / active EE | $8,027 | $5,287+51.8% | $4,934+62.7% | $4,661+72.2% |
| Participant deferral / active EE | $4,736 | $8,427-43.8% | $8,070-41.3% | $6,689-29.2% |
| Admin fee / account holder | $1,739 | $15,053-88.4% | $13,006-86.6% | $13,398-87.0% |