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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 | $153,778 | $198,462-22.5% | $170,439-9.8% | $147,585+4.2% |
| Participation rate | 57.1% | 88.0%-30.8pp | 83.6%-26.5pp | 82.8%-25.7pp |
| Annual return | 20.14% | 257.30%-237.2pp | 205.94%-185.8pp | 578.58%-558.4pp |
| Employer contribution / active EE | $4,777 | $6,184-22.7% | $5,433-12.1% | $4,876-2.0% |
| Participant deferral / active EE | $2,986 | $5,629-47.0% | $4,939-39.6% | $5,439-45.1% |
| Admin fee / account holder | $6,932 | $16,852-58.9% | $13,881-50.1% | $10,886-36.3% |