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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 | $188,037 | $183,539+2.5% | $155,556+20.9% | $145,897+28.9% |
| Participation rate | 50.0% | 82.7%-32.7pp | 78.2%-28.2pp | 80.3%-30.3pp |
| Annual return | 9.77% | 61.31%-51.5pp | 64.84%-55.1pp | 552.29%-542.5pp |
| Employer contribution / active EE | $2,772 | $5,315-47.9% | $4,675-40.7% | $4,663-40.6% |
| Participant deferral / active EE | $8,215 | $6,467+27.0% | $5,631+45.9% | $6,689+22.8% |
| Admin fee / account holder | $14,292 | $19,275-25.8% | $15,885-10.0% | $13,390+6.7% |