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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 | $160,040+46.6% | $147,096+59.5% | $145,877+60.9% |
| Participation rate | 69.2% | 84.0%-14.8pp | 82.2%-12.9pp | 80.3%-11.1pp |
| Annual return | 21.84% | 98.49%-76.7pp | 419.75%-397.9pp | 551.28%-529.4pp |
| Employer contribution / active EE | $6,645 | $5,289+25.6% | $4,936+34.6% | $4,663+42.5% |
| Participant deferral / active EE | $4,432 | $8,429-47.4% | $8,071-45.1% | $6,691-33.8% |
| Admin fee / account holder | $1,912 | $15,050-87.3% | $13,005-85.3% | $13,402-85.7% |