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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 | $211,310 | $217,432-2.8% | $185,851+13.7% | $167,553+26.1% |
| Participation rate | 60.0% | 86.1%-26.1pp | 81.7%-21.7pp | 82.1%-22.1pp |
| Annual return | 11.17% | 148.43%-137.3pp | 122.11%-110.9pp | 478.89%-467.7pp |
| Employer contribution / active EE | $1,492 | $5,874-74.6% | $5,168-71.1% | $4,840-69.2% |
| Participant deferral / active EE | $10,344 | $6,357+62.7% | $5,569+85.8% | $6,343+63.1% |
| Admin fee / account holder | $5,541 | $19,820-72.0% | $16,245-65.9% | $12,316-55.0% |