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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 | $168,562 | $98,776+70.7% | $149,745+12.6% | $79,856+111.1% |
| Participation rate | 65.5% | 75.8%-10.3pp | 82.5%-17.0pp | 69.6%-4.1pp |
| Annual return | 233.18% | 27.38%+205.8pp | 276.72%-43.5pp | 31.71%+201.5pp |
| Employer contribution / active EE | $2,865 | $3,217-10.9% | $4,646-38.3% | $2,471+15.9% |
| Participant deferral / active EE | $7,180 | $5,681+26.4% | $6,843+4.9% | $3,741+91.9% |
| Admin fee / account holder | $727 | $6,053-88.0% | $9,312-92.2% | $5,306-86.3% |