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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 | $186,934 | $183,539+1.8% | $155,556+20.2% | $145,897+28.1% |
| Participation rate | 55.0% | 82.7%-27.7pp | 78.2%-23.2pp | 80.3%-25.3pp |
| Annual return | 13.37% | 61.31%-47.9pp | 64.84%-51.5pp | 552.29%-538.9pp |
| Employer contribution / active EE | $1,314 | $5,315-75.3% | $4,675-71.9% | $4,663-71.8% |
| Participant deferral / active EE | $3,702 | $6,467-42.8% | $5,631-34.3% | $6,689-44.7% |
| Admin fee / account holder | $7,281 | $19,275-62.2% | $15,885-54.2% | $13,390-45.6% |