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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 | $204,129 | $160,070+27.5% | $147,117+38.8% | $145,897+39.9% |
| Participation rate | 60.0% | 84.0%-24.0pp | 82.2%-22.2pp | 80.3%-20.3pp |
| Annual return | 11.50% | 98.69%-87.2pp | 420.54%-409.0pp | 552.29%-540.8pp |
| Employer contribution / active EE | $1,935 | $5,285-63.4% | $4,932-60.8% | $4,663-58.5% |
| Participant deferral / active EE | $13,206 | $8,419+56.9% | $8,065+63.8% | $6,689+97.4% |
| Admin fee / account holder | $2,027 | $15,035-86.5% | $12,993-84.4% | $13,390-84.9% |