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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 | $78,877 | $217,432-63.7% | $185,849-57.6% | $167,536-52.9% |
| Participation rate | 66.7% | 86.1%-19.4pp | 81.7%-15.0pp | 82.1%-15.4pp |
| Annual return | 16.26% | 148.42%-132.2pp | 122.10%-105.8pp | 478.82%-462.6pp |
| Employer contribution / active EE | $4,223 | $5,875-28.1% | $5,169-18.3% | $4,839-12.7% |
| Participant deferral / active EE | $9,953 | $6,357+56.6% | $5,569+78.7% | $6,342+56.9% |
| Admin fee / account holder | $2,041 | $19,818-89.7% | $16,244-87.4% | $12,315-83.4% |