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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 | $178,936 | $209,428-14.6% | $178,498+0.2% | $158,950+12.6% |
| Participation rate | 57.1% | 86.4%-29.2pp | 81.9%-24.8pp | 82.0%-24.8pp |
| Annual return | 21.80% | 188.78%-167.0pp | 151.09%-129.3pp | 302.91%-281.1pp |
| Employer contribution / active EE | $1,347 | $5,707-76.4% | $5,011-73.1% | $4,762-71.7% |
| Participant deferral / active EE | $6,341 | $5,955+6.5% | $5,202+21.9% | $5,983+6.0% |
| Admin fee / account holder | $5,051 | $17,077-70.4% | $13,985-63.9% | $11,248-55.1% |