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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 | $167,845 | $209,422-19.9% | $178,503-6.0% | $158,982+5.6% |
| Participation rate | 60.9% | 86.4%-25.5pp | 81.9%-21.1pp | 82.0%-21.1pp |
| Annual return | 17.50% | 188.81%-171.3pp | 151.12%-133.6pp | 302.99%-285.5pp |
| Employer contribution / active EE | $1,164 | $5,707-79.6% | $5,011-76.8% | $4,763-75.6% |
| Participant deferral / active EE | $4,409 | $5,955-26.0% | $5,202-15.3% | $5,983-26.3% |
| Admin fee / account holder | $1,544 | $17,079-91.0% | $13,987-89.0% | $11,252-86.3% |