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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 | $184,122 | $217,432-15.3% | $185,849-0.9% | $167,536+9.9% |
| Participation rate | 58.3% | 86.1%-27.7pp | 81.7%-23.4pp | 82.1%-23.8pp |
| Annual return | 17.74% | 148.42%-130.7pp | 122.10%-104.4pp | 478.82%-461.1pp |
| Employer contribution / active EE | $1,526 | $5,875-74.0% | $5,169-70.5% | $4,839-68.5% |
| Participant deferral / active EE | $3,230 | $6,357-49.2% | $5,569-42.0% | $6,342-49.1% |
| Admin fee / account holder | $2,200 | $19,818-88.9% | $16,244-86.5% | $12,315-82.1% |