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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 | $231,986 | $176,077+31.8% | $159,455+45.5% | $167,518+38.5% |
| Participation rate | 66.7% | 84.9%-18.3pp | 82.8%-16.2pp | 82.1%-15.4pp |
| Annual return | 14.95% | 331.83%-316.9pp | 263.63%-248.7pp | 478.71%-463.8pp |
| Employer contribution / active EE | $2,261 | $5,298-57.3% | $4,830-53.2% | $4,838-53.3% |
| Participant deferral / active EE | $8,514 | $7,751+9.8% | $7,353+15.8% | $6,342+34.2% |
| Admin fee / account holder | $3,396 | $12,556-73.0% | $10,800-68.6% | $12,312-72.4% |