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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 | $129,445 | $217,432-40.5% | $185,851-30.4% | $167,553-22.7% |
| Participation rate | 61.5% | 86.1%-24.5pp | 81.7%-20.2pp | 82.1%-20.6pp |
| Annual return | 16.81% | 148.43%-131.6pp | 122.11%-105.3pp | 478.89%-462.1pp |
| Employer contribution / active EE | $3,955 | $5,874-32.7% | $5,168-23.5% | $4,840-18.3% |
| Participant deferral / active EE | $6,814 | $6,357+7.2% | $5,569+22.4% | $6,343+7.4% |
| Admin fee / account holder | $5,670 | $19,820-71.4% | $16,245-65.1% | $12,316-54.0% |