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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 | $195,284 | $176,105+10.9% | $159,474+22.5% | $167,536+16.6% |
| Participation rate | 0.0% | 85.0%-85.0pp | 82.8%-82.8pp | 82.1%-82.1pp |
| Annual return | 13.90% | 331.91%-318.0pp | 263.68%-249.8pp | 478.82%-464.9pp |
| Employer contribution / active EE | $8,058 | $5,299+52.1% | $4,831+66.8% | $4,839+66.5% |
| Participant deferral / active EE | $15,000 | $7,751+93.5% | $7,353+104.0% | $6,342+136.5% |
| Admin fee / account holder | $551 | $12,559-95.6% | $10,802-94.9% | $12,315-95.5% |