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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 | $160,040+4.3% | $147,096+13.5% | $145,877+14.5% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 12.60% | 98.49%-85.9pp | 419.75%-407.2pp | 551.28%-538.7pp |
| Employer contribution / active EE | $3,596 | $5,289-32.0% | $4,936-27.1% | $4,663-22.9% |
| Participant deferral / active EE | $8,677 | $8,429+2.9% | $8,071+7.5% | $6,691+29.7% |
| Admin fee / account holder | $2,320 | $15,050-84.6% | $13,005-82.2% | $13,402-82.7% |