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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 | $150,468 | $175,231-14.1% | $149,696+0.5% | $139,466+7.9% |
| Participation rate | 54.2% | 83.4%-29.2pp | 78.8%-24.6pp | 80.3%-26.2pp |
| Annual return | 26.43% | 166.77%-140.3pp | 134.46%-108.0pp | 373.66%-347.2pp |
| Employer contribution / active EE | $2,433 | $5,478-55.6% | $4,821-49.5% | $4,754-48.8% |
| Participant deferral / active EE | $6,299 | $6,521-3.4% | $5,682+10.9% | $6,712-6.2% |
| Admin fee / account holder | $5,537 | $16,155-65.7% | $13,212-58.1% | $11,409-51.5% |