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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 | $157,171 | $209,422-25.0% | $178,503-12.0% | $158,982-1.1% |
| Participation rate | 60.0% | 86.4%-26.4pp | 81.9%-21.9pp | 82.0%-22.0pp |
| Annual return | 9.51% | 188.81%-179.3pp | 151.12%-141.6pp | 302.99%-293.5pp |
| Employer contribution / active EE | $5,153 | $5,707-9.7% | $5,011+2.8% | $4,763+8.2% |
| Participant deferral / active EE | $9,703 | $5,955+62.9% | $5,202+86.5% | $5,983+62.2% |
| Admin fee / account holder | $1,407 | $17,079-91.8% | $13,987-89.9% | $11,252-87.5% |