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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 | $185,382 | $160,070+15.8% | $147,117+26.0% | $145,897+27.1% |
| Participation rate | 60.0% | 84.0%-24.0pp | 82.2%-22.2pp | 80.3%-20.3pp |
| Annual return | 13.98% | 98.69%-84.7pp | 420.54%-406.6pp | 552.29%-538.3pp |
| Employer contribution / active EE | $2,550 | $5,285-51.8% | $4,932-48.3% | $4,663-45.3% |
| Participant deferral / active EE | $6,013 | $8,419-28.6% | $8,065-25.4% | $6,689-10.1% |
| Admin fee / account holder | $2,269 | $15,035-84.9% | $12,993-82.5% | $13,390-83.1% |