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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 | $152,920 | $160,070-4.5% | $147,117+3.9% | $145,897+4.8% |
| Participation rate | 25.0% | 84.0%-59.0pp | 82.2%-57.2pp | 80.3%-55.3pp |
| Annual return | 13.49% | 98.69%-85.2pp | 420.54%-407.1pp | 552.29%-538.8pp |
| Employer contribution / active EE | $13,311 | $5,285+151.9% | $4,932+169.9% | $4,663+185.5% |
| Participant deferral / active EE | $13,982 | $8,419+66.1% | $8,065+73.4% | $6,689+109.0% |
| Admin fee / account holder | $1,594 | $15,035-89.4% | $12,993-87.7% | $13,390-88.1% |