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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 | $153,293 | $183,539-16.5% | $155,556-1.5% | $145,897+5.1% |
| Participation rate | 40.0% | 82.7%-42.7pp | 78.2%-38.2pp | 80.3%-40.3pp |
| Annual return | 13.35% | 61.31%-48.0pp | 64.84%-51.5pp | 552.29%-538.9pp |
| Employer contribution / active EE | $1,840 | $5,315-65.4% | $4,675-60.6% | $4,663-60.5% |
| Participant deferral / active EE | $7,960 | $6,467+23.1% | $5,631+41.4% | $6,689+19.0% |
| Admin fee / account holder | $1,168 | $19,275-93.9% | $15,885-92.6% | $13,390-91.3% |