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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 | $212,402 | $217,432-2.3% | $185,851+14.3% | $167,553+26.8% |
| Participation rate | 25.0% | 86.1%-61.1pp | 81.7%-56.7pp | 82.1%-57.1pp |
| Annual return | 18.82% | 148.43%-129.6pp | 122.11%-103.3pp | 478.89%-460.1pp |
| Employer contribution / active EE | $2,900 | $5,874-50.6% | $5,168-43.9% | $4,840-40.1% |
| Participant deferral / active EE | $6,500 | $6,357+2.2% | $5,569+16.7% | $6,343+2.5% |
| Admin fee / account holder | $589 | $19,820-97.0% | $16,245-96.4% | $12,316-95.2% |