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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 | $145,851 | $217,432-32.9% | $185,849-21.5% | $167,536-12.9% |
| Participation rate | 53.3% | 86.1%-32.7pp | 81.7%-28.4pp | 82.1%-28.8pp |
| Annual return | 13.51% | 148.42%-134.9pp | 122.10%-108.6pp | 478.82%-465.3pp |
| Employer contribution / active EE | $1,812 | $5,875-69.2% | $5,169-64.9% | $4,839-62.6% |
| Participant deferral / active EE | $5,914 | $6,357-7.0% | $5,569+6.2% | $6,342-6.7% |
| Admin fee / account holder | $1,621 | $19,818-91.8% | $16,244-90.0% | $12,315-86.8% |