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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 | $167,519 | $175,231-4.4% | $149,696+11.9% | $139,466+20.1% |
| Participation rate | 50.0% | 83.4%-33.4pp | 78.8%-28.8pp | 80.3%-30.3pp |
| Annual return | 20.21% | 166.77%-146.6pp | 134.46%-114.2pp | 373.66%-353.5pp |
| Employer contribution / active EE | $4,226 | $5,478-22.9% | $4,821-12.3% | $4,754-11.1% |
| Participant deferral / active EE | $6,664 | $6,521+2.2% | $5,682+17.3% | $6,712-0.7% |
| Admin fee / account holder | $822 | $16,155-94.9% | $13,212-93.8% | $11,409-92.8% |