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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 | $193,875 | $198,462-2.3% | $170,439+13.8% | $147,585+31.4% |
| Participation rate | 36.4% | 88.0%-51.6pp | 83.6%-47.2pp | 82.8%-46.5pp |
| Annual return | 17.28% | 257.30%-240.0pp | 205.94%-188.7pp | 578.58%-561.3pp |
| Employer contribution / active EE | $5,602 | $6,184-9.4% | $5,433+3.1% | $4,876+14.9% |
| Participant deferral / active EE | $3,173 | $5,629-43.6% | $4,939-35.8% | $5,439-41.7% |
| Admin fee / account holder | $2,044 | $16,852-87.9% | $13,881-85.3% | $10,886-81.2% |