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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 | $227,139 | $198,457+14.5% | $170,435+33.3% | $147,586+53.9% |
| Participation rate | 57.1% | 88.0%-30.8pp | 83.6%-26.5pp | 82.8%-25.7pp |
| Annual return | 13.93% | 257.30%-243.4pp | 205.94%-192.0pp | 578.59%-564.7pp |
| Employer contribution / active EE | $1,869 | $6,183-69.8% | $5,432-65.6% | $4,876-61.7% |
| Participant deferral / active EE | $4,277 | $5,629-24.0% | $4,939-13.4% | $5,439-21.4% |
| Admin fee / account holder | $13,418 | $16,852-20.4% | $13,881-3.3% | $10,886+23.3% |