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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 | $207,435 | $102,595+102.2% | $94,057+120.5% | $154,746+34.0% |
| Participation rate | 66.7% | 76.0%-9.3pp | 73.3%-6.7pp | 80.7%-14.0pp |
| Annual return | 16.93% | 583.42%-566.5pp | 480.62%-463.7pp | 172.34%-155.4pp |
| Employer contribution / active EE | $5,201 | $3,147+65.3% | $2,933+77.3% | $4,379+18.8% |
| Participant deferral / active EE | $17,003 | $5,118+232.2% | $4,709+261.0% | $6,730+152.6% |
| Admin fee / account holder | $17,540 | $7,736+126.7% | $7,244+142.1% | $14,365+22.1% |