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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 | $152,700 | $175,231-12.9% | $149,696+2.0% | $139,466+9.5% |
| Participation rate | 12.5% | 83.4%-70.9pp | 78.8%-66.3pp | 80.3%-67.8pp |
| Annual return | 20.59% | 166.77%-146.2pp | 134.46%-113.9pp | 373.66%-353.1pp |
| Employer contribution / active EE | $1,425 | $5,478-74.0% | $4,821-70.4% | $4,754-70.0% |
| Participant deferral / active EE | $3,563 | $6,521-45.4% | $5,682-37.3% | $6,712-46.9% |
| Admin fee / account holder | $537 | $16,155-96.7% | $13,212-95.9% | $11,409-95.3% |