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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 | $207,091 | $217,432-4.8% | $185,849+11.4% | $167,536+23.6% |
| Participation rate | 50.0% | 86.1%-36.1pp | 81.7%-31.7pp | 82.1%-32.1pp |
| Annual return | 20.89% | 148.42%-127.5pp | 122.10%-101.2pp | 478.82%-457.9pp |
| Employer contribution / active EE | $20,582 | $5,875+250.3% | $5,169+298.2% | $4,839+325.3% |
| Participant deferral / active EE | $9,750 | $6,357+53.4% | $5,569+75.1% | $6,342+53.7% |
| Admin fee / account holder | $2,327 | $19,818-88.3% | $16,244-85.7% | $12,315-81.1% |