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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 | $160,784 | $217,432-26.1% | $185,849-13.5% | $167,536-4.0% |
| Participation rate | 58.3% | 86.1%-27.7pp | 81.7%-23.4pp | 82.1%-23.8pp |
| Annual return | 18.31% | 148.42%-130.1pp | 122.10%-103.8pp | 478.82%-460.5pp |
| Employer contribution / active EE | $1,967 | $5,875-66.5% | $5,169-61.9% | $4,839-59.4% |
| Participant deferral / active EE | $4,867 | $6,357-23.4% | $5,569-12.6% | $6,342-23.3% |
| Admin fee / account holder | $349 | $19,818-98.2% | $16,244-97.9% | $12,315-97.2% |