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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 | $173,196 | $167,522+3.4% | $151,639+14.2% | $134,532+28.7% |
| Participation rate | 42.9% | 88.4%-45.5pp | 87.5%-44.6pp | 81.2%-38.4pp |
| Annual return | -19.16% | 7.81%-27.0pp | 3.34%-22.5pp | 418.27%-437.4pp |
| Employer contribution / active EE | $1,805 | $6,828-73.6% | $6,165-70.7% | $4,741-61.9% |
| Participant deferral / active EE | $11,306 | $8,986+25.8% | $8,363+35.2% | $6,401+76.6% |
| Admin fee / account holder | $6,311 | $13,780-54.2% | $11,613-45.7% | $11,429-44.8% |