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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 | $182,626 | $217,432-16.0% | $185,849-1.7% | $167,536+9.0% |
| Participation rate | 60.0% | 86.1%-26.1pp | 81.7%-21.7pp | 82.1%-22.1pp |
| Annual return | 10.00% | 148.42%-138.4pp | 122.10%-112.1pp | 478.82%-468.8pp |
| Employer contribution / active EE | $2,460 | $5,875-58.1% | $5,169-52.4% | $4,839-49.2% |
| Participant deferral / active EE | $10,929 | $6,357+71.9% | $5,569+96.3% | $6,342+72.3% |
| Admin fee / account holder | $1,839 | $19,818-90.7% | $16,244-88.7% | $12,315-85.1% |