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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 | $180,152 | $160,040+12.6% | $147,096+22.5% | $145,877+23.5% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 12.14% | 98.49%-86.4pp | 419.75%-407.6pp | 551.28%-539.1pp |
| Employer contribution / active EE | $2,562 | $5,289-51.6% | $4,936-48.1% | $4,663-45.1% |
| Participant deferral / active EE | $11,240 | $8,429+33.3% | $8,071+39.3% | $6,691+68.0% |
| Admin fee / account holder | $1,166 | $15,050-92.2% | $13,005-91.0% | $13,402-91.3% |