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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 | $168,117 | $183,592-8.4% | $155,574+8.1% | $145,877+15.2% |
| Participation rate | 44.4% | 82.7%-38.3pp | 78.2%-33.8pp | 80.3%-35.9pp |
| Annual return | 10.46% | 61.37%-50.9pp | 64.87%-54.4pp | 551.28%-540.8pp |
| Employer contribution / active EE | $1,300 | $5,317-75.6% | $4,676-72.2% | $4,663-72.1% |
| Participant deferral / active EE | $5,202 | $6,466-19.6% | $5,629-7.6% | $6,691-22.3% |
| Admin fee / account holder | $1,295 | $19,316-93.3% | $15,914-91.9% | $13,402-90.3% |