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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 | $166,304 | $148,629+11.9% | $135,982+22.3% | $139,487+19.2% |
| Participation rate | 56.3% | 83.9%-27.6pp | 81.9%-25.7pp | 80.3%-24.1pp |
| Annual return | 17.55% | 79.33%-61.8pp | 68.32%-50.8pp | 373.84%-356.3pp |
| Employer contribution / active EE | $2,252 | $5,247-57.1% | $4,859-53.7% | $4,755-52.6% |
| Participant deferral / active EE | $6,909 | $8,102-14.7% | $7,760-11.0% | $6,713+2.9% |
| Admin fee / account holder | $981 | $12,406-92.1% | $10,767-90.9% | $11,407-91.4% |