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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 | $167,704 | $166,242+0.9% | $165,071+1.6% | $145,884+15.0% |
| Participation rate | 69.2% | 82.0%-12.8pp | 78.6%-9.4pp | 80.3%-11.1pp |
| Annual return | 9.22% | 100.44%-91.2pp | 70.17%-60.9pp | 551.85%-542.6pp |
| Employer contribution / active EE | $7,764 | $5,283+47.0% | $4,347+78.6% | $4,662+66.5% |
| Participant deferral / active EE | $4,723 | $6,964-32.2% | $6,035-21.7% | $6,690-29.4% |
| Admin fee / account holder | $3,451 | $16,658-79.3% | $12,695-72.8% | $13,392-74.2% |