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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 | $166,992 | $159,934+4.4% | $147,005+13.6% | $145,959+14.4% |
| Participation rate | 66.7% | 84.0%-17.3pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 12.60% | 98.24%-85.6pp | 418.76%-406.2pp | 561.95%-549.4pp |
| Employer contribution / active EE | $3,596 | $5,287-32.0% | $4,934-27.1% | $4,661-22.8% |
| Participant deferral / active EE | $8,677 | $8,427+3.0% | $8,070+7.5% | $6,689+29.7% |
| Admin fee / account holder | $2,320 | $15,053-84.6% | $13,006-82.2% | $13,398-82.7% |