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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 | $199,128 | $217,427-8.4% | $185,837+7.2% | $167,518+18.9% |
| Participation rate | 33.3% | 86.0%-52.7pp | 81.7%-48.4pp | 82.1%-48.8pp |
| Annual return | 17.64% | 148.39%-130.8pp | 122.08%-104.4pp | 478.71%-461.1pp |
| Employer contribution / active EE | $1,333 | $5,874-77.3% | $5,168-74.2% | $4,838-72.4% |
| Participant deferral / active EE | $6,500 | $6,357+2.2% | $5,568+16.7% | $6,342+2.5% |
| Admin fee / account holder | $805 | $19,816-95.9% | $16,241-95.0% | $12,312-93.5% |