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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 | $127,426 | $217,427-41.4% | $185,837-31.4% | $167,518-23.9% |
| Participation rate | 69.2% | 86.0%-16.8pp | 81.7%-12.5pp | 82.1%-12.9pp |
| Annual return | 21.17% | 148.39%-127.2pp | 122.08%-100.9pp | 478.71%-457.5pp |
| Employer contribution / active EE | $1,695 | $5,874-71.1% | $5,168-67.2% | $4,838-65.0% |
| Participant deferral / active EE | $6,723 | $6,357+5.8% | $5,568+20.7% | $6,342+6.0% |
| Admin fee / account holder | $1,082 | $19,816-94.5% | $16,241-93.3% | $12,312-91.2% |