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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 | $122,158 | $176,105-30.6% | $159,474-23.4% | $167,536-27.1% |
| Participation rate | 57.1% | 85.0%-27.8pp | 82.8%-25.7pp | 82.1%-25.0pp |
| Annual return | 20.95% | 331.91%-311.0pp | 263.68%-242.7pp | 478.82%-457.9pp |
| Employer contribution / active EE | $5,002 | $5,299-5.6% | $4,831+3.6% | $4,839+3.4% |
| Participant deferral / active EE | $13,684 | $7,751+76.5% | $7,353+86.1% | $6,342+115.8% |
| Admin fee / account holder | $9,832 | $12,559-21.7% | $10,802-9.0% | $12,315-20.2% |