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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 | $161,819 | $198,457-18.5% | $170,435-5.1% | $147,586+9.6% |
| Participation rate | 35.7% | 88.0%-52.3pp | 83.6%-47.9pp | 82.8%-47.1pp |
| Annual return | 13.36% | 257.30%-243.9pp | 205.94%-192.6pp | 578.59%-565.2pp |
| Employer contribution / active EE | $5,015 | $6,183-18.9% | $5,432-7.7% | $4,876+2.8% |
| Participant deferral / active EE | $6,595 | $5,629+17.2% | $4,939+33.5% | $5,439+21.3% |
| Admin fee / account holder | $1,411 | $16,852-91.6% | $13,881-89.8% | $10,886-87.0% |