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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 | $160,040+15.8% | $147,096+26.0% | $145,877+27.1% |
| Participation rate | 60.0% | 84.0%-24.0pp | 82.2%-22.2pp | 80.3%-20.3pp |
| Annual return | 13.98% | 98.49%-84.5pp | 419.75%-405.8pp | 551.28%-537.3pp |
| Employer contribution / active EE | $2,550 | $5,289-51.8% | $4,936-48.3% | $4,663-45.3% |
| Participant deferral / active EE | $6,013 | $8,429-28.7% | $8,071-25.5% | $6,691-10.1% |
| Admin fee / account holder | $2,269 | $15,050-84.9% | $13,005-82.6% | $13,402-83.1% |