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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 | $165,100 | $226,135-27.0% | $182,558-9.6% | $152,909+8.0% |
| Participation rate | 41.7% | 82.5%-40.8pp | 78.0%-36.3pp | 82.5%-40.8pp |
| Annual return | 21.50% | 192.60%-171.1pp | 148.59%-127.1pp | 345.46%-324.0pp |
| Employer contribution / active EE | $1,463 | $4,979-70.6% | $4,076-64.1% | $4,764-69.3% |
| Participant deferral / active EE | $2,937 | $6,371-53.9% | $5,526-46.8% | $5,851-49.8% |
| Admin fee / account holder | $4,739 | $10,707-55.7% | $8,594-44.9% | $11,601-59.1% |