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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 | $132,700 | $134,817-1.6% | $123,973+7.0% | $155,188-14.5% |
| Participation rate | 33.3% | 79.4%-46.1pp | 76.7%-43.3pp | 80.8%-47.5pp |
| Annual return | 15.31% | 515.49%-500.2pp | 388.13%-372.8pp | 148.84%-133.5pp |
| Employer contribution / active EE | $2,504 | $4,425-43.4% | $4,126-39.3% | $4,248-41.0% |
| Participant deferral / active EE | $4,914 | $5,706-13.9% | $5,247-6.3% | $6,531-24.8% |
| Admin fee / account holder | $6,451 | $13,245-51.3% | $11,799-45.3% | $14,480-55.4% |