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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 | $170,600 | $183,539-7.0% | $155,556+9.7% | $145,897+16.9% |
| Participation rate | 50.0% | 82.7%-32.7pp | 78.2%-28.2pp | 80.3%-30.3pp |
| Annual return | 10.63% | 61.31%-50.7pp | 64.84%-54.2pp | 552.29%-541.7pp |
| Employer contribution / active EE | $5,753 | $5,315+8.2% | $4,675+23.0% | $4,663+23.4% |
| Participant deferral / active EE | $18,697 | $6,467+189.1% | $5,631+232.0% | $6,689+179.5% |
| Admin fee / account holder | $2,231 | $19,275-88.4% | $15,885-86.0% | $13,390-83.3% |