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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 | $180,918 | $217,432-16.8% | $185,849-2.7% | $167,536+8.0% |
| Participation rate | 26.7% | 86.1%-59.4pp | 81.7%-55.0pp | 82.1%-55.4pp |
| Annual return | 11.03% | 148.42%-137.4pp | 122.10%-111.1pp | 478.82%-467.8pp |
| Employer contribution / active EE | $1,971 | $5,875-66.5% | $5,169-61.9% | $4,839-59.3% |
| Participant deferral / active EE | $3,983 | $6,357-37.3% | $5,569-28.5% | $6,342-37.2% |
| Admin fee / account holder | $10,145 | $19,818-48.8% | $16,244-37.5% | $12,315-17.6% |