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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 | $217,718 | $166,131+31.1% | $164,975+32.0% | $145,877+49.2% |
| Participation rate | 66.7% | 82.0%-15.3pp | 78.6%-11.9pp | 80.3%-13.6pp |
| Annual return | 10.92% | 100.37%-89.4pp | 70.12%-59.2pp | 551.28%-540.4pp |
| Employer contribution / active EE | $2,062 | $5,276-60.9% | $4,343-52.5% | $4,663-55.8% |
| Participant deferral / active EE | $6,298 | $6,962-9.5% | $6,033+4.4% | $6,691-5.9% |
| Admin fee / account holder | $3,475 | $16,648-79.1% | $12,688-72.6% | $13,402-74.1% |