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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 | $160,040+27.5% | $147,096+38.8% | $145,877+39.9% |
| Participation rate | 60.0% | 84.0%-24.0pp | 82.2%-22.2pp | 80.3%-20.3pp |
| Annual return | 11.50% | 98.49%-87.0pp | 419.75%-408.2pp | 551.28%-539.8pp |
| Employer contribution / active EE | $1,935 | $5,289-63.4% | $4,936-60.8% | $4,663-58.5% |
| Participant deferral / active EE | $13,206 | $8,429+56.7% | $8,071+63.6% | $6,691+97.4% |
| Admin fee / account holder | $2,027 | $15,050-86.5% | $13,005-84.4% | $13,402-84.9% |