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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 | $227,241 | $121,701+86.7% | $104,639+117.2% | $158,982+42.9% |
| Participation rate | 42.9% | 77.5%-34.7pp | 74.1%-31.2pp | 82.0%-39.1pp |
| Annual return | 14.78% | 465.72%-450.9pp | 340.67%-325.9pp | 302.99%-288.2pp |
| Employer contribution / active EE | $6,975 | $3,165+120.3% | $2,682+160.1% | $4,763+46.4% |
| Participant deferral / active EE | $7,908 | $4,176+89.4% | $3,738+111.5% | $5,983+32.2% |
| Admin fee / account holder | $3,860 | $7,778-50.4% | $6,465-40.3% | $11,252-65.7% |