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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 | $167,917 | $175,212-4.2% | $149,682+12.2% | $139,427+20.4% |
| Participation rate | 63.6% | 83.4%-19.7pp | 78.8%-15.1pp | 80.3%-16.7pp |
| Annual return | 15.14% | 166.63%-151.5pp | 134.35%-119.2pp | 373.27%-358.1pp |
| Employer contribution / active EE | $8,054 | $5,475+47.1% | $4,818+67.1% | $4,752+69.5% |
| Participant deferral / active EE | $6,151 | $6,520-5.7% | $5,681+8.3% | $6,711-8.3% |
| Admin fee / account holder | $1,505 | $16,150-90.7% | $13,210-88.6% | $11,404-86.8% |