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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 | $96,866 | $65,555+47.8% | $86,216+12.4% | $75,173+28.9% |
| Participation rate | 61.4% | 60.5%+0.9pp | 69.0%-7.6pp | 67.2%-5.8pp |
| Annual return | 19.45% | 46.07%-26.6pp | 1169.42%-1150.0pp | 160.72%-141.3pp |
| Employer contribution / active EE | $2,760 | $1,553+77.7% | $2,382+15.9% | $2,671+3.3% |
| Participant deferral / active EE | $4,608 | $3,023+52.4% | $3,986+15.6% | $4,126+11.7% |
| Admin fee / account holder | $6,926 | $5,469+26.6% | $6,853+1.1% | $5,651+22.6% |