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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 | $196,010 | $209,428-6.4% | $178,498+9.8% | $158,950+23.3% |
| Participation rate | 47.1% | 86.4%-39.3pp | 81.9%-34.9pp | 82.0%-34.9pp |
| Annual return | 15.80% | 188.78%-173.0pp | 151.09%-135.3pp | 302.91%-287.1pp |
| Employer contribution / active EE | $1,979 | $5,707-65.3% | $5,011-60.5% | $4,762-58.4% |
| Participant deferral / active EE | $7,191 | $5,955+20.8% | $5,202+38.2% | $5,983+20.2% |
| Admin fee / account holder | $985 | $17,077-94.2% | $13,985-93.0% | $11,248-91.2% |