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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 | $178,628 | $169,336+5.5% | $129,384+38.1% | $145,884+22.4% |
| Participation rate | 54.5% | 76.5%-22.0pp | 69.6%-15.1pp | 80.3%-25.8pp |
| Annual return | 16.58% | 14408.70%-14392.1pp | 9461.77%-9445.2pp | 551.85%-535.3pp |
| Employer contribution / active EE | $1,123 | $5,540-79.7% | $4,153-73.0% | $4,662-75.9% |
| Participant deferral / active EE | $2,275 | $4,985-54.4% | $4,166-45.4% | $6,690-66.0% |
| Admin fee / account holder | $1,581 | $9,912-84.1% | $7,686-79.4% | $13,392-88.2% |