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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 | $154,352 | $210,698-26.7% | $178,014-13.3% | $145,959+5.7% |
| Participation rate | 50.0% | 80.8%-30.8pp | 77.1%-27.1pp | 80.3%-30.3pp |
| Annual return | 18.19% | 386.27%-368.1pp | 294.80%-276.6pp | 561.95%-543.8pp |
| Employer contribution / active EE | $3,922 | $4,567-14.1% | $3,950-0.7% | $4,661-15.9% |
| Participant deferral / active EE | $11,781 | $6,958+69.3% | $6,276+87.7% | $6,689+76.1% |
| Admin fee / account holder | $53,704 | $12,016+346.9% | $10,362+418.3% | $13,398+300.8% |