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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 | $171,212 | $150,435+13.8% | $120,580+42.0% | $145,897+17.4% |
| Participation rate | 64.3% | 78.8%-14.5pp | 72.0%-7.7pp | 80.3%-16.0pp |
| Annual return | 11.52% | 154.60%-143.1pp | 107.48%-96.0pp | 552.29%-540.8pp |
| Employer contribution / active EE | $4,617 | $4,352+6.1% | $3,469+33.1% | $4,663-1.0% |
| Participant deferral / active EE | $6,279 | $6,174+1.7% | $4,995+25.7% | $6,689-6.1% |
| Admin fee / account holder | $46,578 | $12,182+282.3% | $9,418+394.5% | $13,390+247.9% |