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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 | $113,133 | $57,330+97.3% | $86,656+30.6% | $75,177+50.5% |
| Participation rate | 68.4% | 63.2%+5.2pp | 71.7%-3.3pp | 67.2%+1.2pp |
| Annual return | 17.48% | 2675.40%-2657.9pp | 593.09%-575.6pp | 160.75%-143.3pp |
| Employer contribution / active EE | $3,225 | $2,316+39.2% | $3,025+6.6% | $2,671+20.7% |
| Participant deferral / active EE | $9,098 | $3,320+174.0% | $4,439+104.9% | $4,126+120.5% |
| Admin fee / account holder | $7,783 | $4,115+89.2% | $5,619+38.5% | $5,651+37.7% |