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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 | $139,127 | $111,785+24.5% | $93,669+48.5% | $145,877-4.6% |
| Participation rate | 66.7% | 74.2%-7.6pp | 68.7%-2.1pp | 80.3%-13.6pp |
| Annual return | 15.83% | 203.79%-188.0pp | 133.59%-117.8pp | 551.28%-535.5pp |
| Employer contribution / active EE | $5,327 | $3,096+72.1% | $2,424+119.8% | $4,663+14.2% |
| Participant deferral / active EE | $10,789 | $4,919+119.3% | $4,416+144.3% | $6,691+61.2% |
| Admin fee / account holder | $3,693 | $10,256-64.0% | $8,291-55.5% | $13,402-72.4% |