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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 | $172,752 | $148,629+16.2% | $135,982+27.0% | $139,487+23.8% |
| Participation rate | 63.6% | 83.9%-20.2pp | 81.9%-18.3pp | 80.3%-16.7pp |
| Annual return | 17.03% | 79.33%-62.3pp | 68.32%-51.3pp | 373.84%-356.8pp |
| Employer contribution / active EE | $4,545 | $5,247-13.4% | $4,859-6.5% | $4,755-4.4% |
| Participant deferral / active EE | $5,585 | $8,102-31.1% | $7,760-28.0% | $6,713-16.8% |
| Admin fee / account holder | $3,878 | $12,406-68.7% | $10,767-64.0% | $11,407-66.0% |