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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 | $119,524 | $56,197+112.7% | $67,652+76.7% | $59,633+100.4% |
| Participation rate | 58.4% | 71.5%-13.0pp | 75.7%-17.2pp | 68.7%-10.2pp |
| Annual return | 144.54% | 18508.10%-18363.6pp | 6625.40%-6480.9pp | 2041.45%-1896.9pp |
| Employer contribution / active EE | $2,317 | $1,615+43.5% | $2,266+2.3% | $2,203+5.2% |
| Participant deferral / active EE | $4,763 | $2,844+67.5% | $3,560+33.8% | $3,192+49.2% |
| Admin fee / account holder | $9,137 | $3,958+130.8% | $4,821+89.5% | $4,297+112.6% |