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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 | $174,606 | $175,259-0.4% | $149,723+16.6% | $139,487+25.2% |
| Participation rate | 33.3% | 83.4%-50.1pp | 78.8%-45.4pp | 80.3%-47.0pp |
| Annual return | 13.71% | 166.82%-153.1pp | 134.50%-120.8pp | 373.84%-360.1pp |
| Employer contribution / active EE | $1,424 | $5,478-74.0% | $4,821-70.5% | $4,755-70.0% |
| Participant deferral / active EE | $4,728 | $6,522-27.5% | $5,682-16.8% | $6,713-29.6% |
| Admin fee / account holder | $17,208 | $16,158+6.5% | $13,215+30.2% | $11,407+50.9% |