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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 | $152,200 | $217,432-30.0% | $185,849-18.1% | $167,536-9.2% |
| Participation rate | 66.7% | 86.1%-19.4pp | 81.7%-15.0pp | 82.1%-15.4pp |
| Annual return | 10.24% | 148.42%-138.2pp | 122.10%-111.9pp | 478.82%-468.6pp |
| Employer contribution / active EE | $2,320 | $5,875-60.5% | $5,169-55.1% | $4,839-52.1% |
| Participant deferral / active EE | $3,778 | $6,357-40.6% | $5,569-32.2% | $6,342-40.4% |
| Admin fee / account holder | $11,524 | $19,818-41.9% | $16,244-29.1% | $12,315-6.4% |