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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 | $181,537 | $209,422-13.3% | $178,503+1.7% | $158,982+14.2% |
| Participation rate | 41.7% | 86.4%-44.7pp | 81.9%-40.3pp | 82.0%-40.3pp |
| Annual return | 21.01% | 188.81%-167.8pp | 151.12%-130.1pp | 302.99%-282.0pp |
| Employer contribution / active EE | $3,595 | $5,707-37.0% | $5,011-28.3% | $4,763-24.5% |
| Participant deferral / active EE | $5,631 | $5,955-5.4% | $5,202+8.2% | $5,983-5.9% |
| Admin fee / account holder | $6,054 | $17,079-64.6% | $13,987-56.7% | $11,252-46.2% |