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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 | $137,572 | $162,529-15.4% | $130,788+5.2% | $154,746-11.1% |
| Participation rate | 66.7% | 75.9%-9.2pp | 70.1%-3.4pp | 80.7%-14.0pp |
| Annual return | 19.61% | 510.48%-490.9pp | 386.44%-366.8pp | 172.34%-152.7pp |
| Employer contribution / active EE | $1,393 | $4,447-68.7% | $3,558-60.9% | $4,379-68.2% |
| Participant deferral / active EE | $1,656 | $4,808-65.6% | $4,137-60.0% | $6,730-75.4% |
| Admin fee / account holder | $5,961 | $7,669-22.3% | $6,673-10.7% | $14,365-58.5% |