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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 | $171,639 | $168,635+1.8% | $147,617+16.3% | $125,389+36.9% |
| Participation rate | 33.3% | 88.8%-55.4pp | 84.6%-51.3pp | 83.2%-49.9pp |
| Annual return | 0.15% | 77.65%-77.5pp | 61.98%-61.8pp | 282.24%-282.1pp |
| Employer contribution / active EE | $8,829 | $6,252+41.2% | $5,564+58.7% | $4,866+81.4% |
| Participant deferral / active EE | $5,253 | $5,507-4.6% | $4,895+7.3% | $5,352-1.8% |
| Admin fee / account holder | $4,614 | $13,580-66.0% | $11,612-60.3% | $9,541-51.6% |