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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 | $213,918 | $160,070+33.6% | $147,117+45.4% | $145,897+46.6% |
| Participation rate | 60.0% | 84.0%-24.0pp | 82.2%-22.2pp | 80.3%-20.3pp |
| Annual return | 13.40% | 98.69%-85.3pp | 420.54%-407.1pp | 552.29%-538.9pp |
| Employer contribution / active EE | $1,843 | $5,285-65.1% | $4,932-62.6% | $4,663-60.5% |
| Participant deferral / active EE | $8,286 | $8,419-1.6% | $8,065+2.7% | $6,689+23.9% |
| Admin fee / account holder | $1,516 | $15,035-89.9% | $12,993-88.3% | $13,390-88.7% |