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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 | $207,580 | $198,457+4.6% | $170,435+21.8% | $147,586+40.7% |
| Participation rate | 50.0% | 88.0%-38.0pp | 83.6%-33.6pp | 82.8%-32.8pp |
| Annual return | 21.79% | 257.30%-235.5pp | 205.94%-184.2pp | 578.59%-556.8pp |
| Employer contribution / active EE | $1,578 | $6,183-74.5% | $5,432-71.0% | $4,876-67.6% |
| Participant deferral / active EE | $5,616 | $5,629-0.2% | $4,939+13.7% | $5,439+3.3% |
| Admin fee / account holder | $3,116 | $16,852-81.5% | $13,881-77.6% | $10,886-71.4% |