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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 | $182,854 | $171,492+6.6% | $150,734+21.3% | $198,609-7.9% |
| Participation rate | 50.0% | 81.4%-31.4pp | 78.4%-28.4pp | 82.4%-32.4pp |
| Annual return | 16.54% | 804.70%-788.2pp | 600.81%-584.3pp | 202.70%-186.2pp |
| Employer contribution / active EE | $3,652 | $5,470-33.2% | $4,918-25.7% | $5,055-27.8% |
| Participant deferral / active EE | $3,787 | $6,259-39.5% | $5,610-32.5% | $6,977-45.7% |
| Admin fee / account holder | $10,184 | $17,628-42.2% | $14,905-31.7% | $19,030-46.5% |