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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 | $234,647 | $159,934+46.7% | $147,005+59.6% | $145,959+60.8% |
| Participation rate | 69.2% | 84.0%-14.8pp | 82.2%-12.9pp | 80.3%-11.1pp |
| Annual return | 21.84% | 98.24%-76.4pp | 418.76%-396.9pp | 561.95%-540.1pp |
| Employer contribution / active EE | $6,645 | $5,287+25.7% | $4,934+34.7% | $4,661+42.6% |
| Participant deferral / active EE | $4,432 | $8,427-47.4% | $8,070-45.1% | $6,689-33.7% |
| Admin fee / account holder | $1,912 | $15,053-87.3% | $13,006-85.3% | $13,398-85.7% |