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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 | $215,847 | $160,070+34.8% | $147,117+46.7% | $145,897+47.9% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 10.37% | 98.69%-88.3pp | 420.54%-410.2pp | 552.29%-541.9pp |
| Employer contribution / active EE | $2,179 | $5,285-58.8% | $4,932-55.8% | $4,663-53.3% |
| Participant deferral / active EE | $18,584 | $8,419+120.7% | $8,065+130.4% | $6,689+177.8% |
| Admin fee / account holder | $620 | $15,035-95.9% | $12,993-95.2% | $13,390-95.4% |