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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 | $174,175 | $208,088-16.3% | $186,193-6.5% | $154,746+12.6% |
| Participation rate | 66.7% | 80.0%-13.3pp | 77.1%-10.4pp | 80.7%-14.0pp |
| Annual return | 15.76% | 89.97%-74.2pp | 78.03%-62.3pp | 172.34%-156.6pp |
| Employer contribution / active EE | $4,815 | $4,340+10.9% | $3,918+22.9% | $4,379+10.0% |
| Participant deferral / active EE | $23,472 | $7,078+231.6% | $6,513+260.4% | $6,730+248.7% |
| Admin fee / account holder | $1,177 | $11,698-89.9% | $11,058-89.4% | $14,365-91.8% |