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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 | $172,291 | $157,304+9.5% | $141,197+22.0% | $152,909+12.7% |
| Participation rate | 43.5% | 84.8%-41.3pp | 82.5%-39.0pp | 82.5%-39.0pp |
| Annual return | 37.89% | 64.34%-26.5pp | 71.41%-33.5pp | 345.46%-307.6pp |
| Employer contribution / active EE | $1,571 | $5,263-70.1% | $4,736-66.8% | $4,764-67.0% |
| Participant deferral / active EE | $3,069 | $7,111-56.8% | $6,710-54.3% | $5,851-47.5% |
| Admin fee / account holder | $23,022 | $12,126+89.9% | $10,265+124.3% | $11,601+98.5% |