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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 | $230,613 | $159,978+44.2% | $147,041+56.8% | $145,978+58.0% |
| Participation rate | 69.2% | 84.0%-14.8pp | 82.2%-12.9pp | 80.3%-11.1pp |
| Annual return | 25.31% | 98.36%-73.0pp | 419.21%-393.9pp | 550.52%-525.2pp |
| Employer contribution / active EE | $6,154 | $5,288+16.4% | $4,935+24.7% | $4,662+32.0% |
| Participant deferral / active EE | $2,804 | $8,429-66.7% | $8,071-65.3% | $6,690-58.1% |
| Admin fee / account holder | $5,898 | $15,053-60.8% | $13,006-54.7% | $13,400-56.0% |