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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 | $168,886 | $209,422-19.4% | $178,503-5.4% | $158,982+6.2% |
| Participation rate | 40.0% | 86.4%-46.4pp | 81.9%-41.9pp | 82.0%-42.0pp |
| Annual return | 14.09% | 188.81%-174.7pp | 151.12%-137.0pp | 302.99%-288.9pp |
| Employer contribution / active EE | $2,401 | $5,707-57.9% | $5,011-52.1% | $4,763-49.6% |
| Participant deferral / active EE | $7,997 | $5,955+34.3% | $5,202+53.7% | $5,983+33.6% |
| Admin fee / account holder | $1,024 | $17,079-94.0% | $13,987-92.7% | $11,252-90.9% |