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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 | $160,986 | $183,539-12.3% | $155,556+3.5% | $145,897+10.3% |
| Participation rate | 33.3% | 82.7%-49.4pp | 78.2%-44.9pp | 80.3%-47.0pp |
| Annual return | 18.66% | 61.31%-42.7pp | 64.84%-46.2pp | 552.29%-533.6pp |
| Employer contribution / active EE | $2,367 | $5,315-55.5% | $4,675-49.4% | $4,663-49.2% |
| Participant deferral / active EE | $9,531 | $6,467+47.4% | $5,631+69.3% | $6,689+42.5% |
| Admin fee / account holder | $2,193 | $19,275-88.6% | $15,885-86.2% | $13,390-83.6% |