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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 | $174,053 | $166,131+4.8% | $164,975+5.5% | $145,877+19.3% |
| Participation rate | 69.6% | 82.0%-12.4pp | 78.6%-9.1pp | 80.3%-10.7pp |
| Annual return | 22.13% | 100.37%-78.2pp | 70.12%-48.0pp | 551.28%-529.2pp |
| Employer contribution / active EE | $2,282 | $5,276-56.7% | $4,343-47.4% | $4,663-51.1% |
| Participant deferral / active EE | $6,039 | $6,962-13.3% | $6,033+0.1% | $6,691-9.7% |
| Admin fee / account holder | $1,303 | $16,648-92.2% | $12,688-89.7% | $13,402-90.3% |