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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 | $159,638 | $165,399-3.5% | $149,745+6.6% | $158,982+0.4% |
| Participation rate | 66.7% | 84.6%-17.9pp | 82.5%-15.8pp | 82.0%-15.3pp |
| Annual return | 8.61% | 348.34%-339.7pp | 276.72%-268.1pp | 302.99%-294.4pp |
| Employer contribution / active EE | $7,668 | $5,105+50.2% | $4,646+65.0% | $4,763+61.0% |
| Participant deferral / active EE | $5,856 | $7,183-18.5% | $6,843-14.4% | $5,983-2.1% |
| Admin fee / account holder | $1,347 | $10,811-87.5% | $9,312-85.5% | $11,252-88.0% |