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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 | $160,040+34.9% | $147,096+46.7% | $145,877+48.0% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 10.37% | 98.49%-88.1pp | 419.75%-409.4pp | 551.28%-540.9pp |
| Employer contribution / active EE | $2,179 | $5,289-58.8% | $4,936-55.9% | $4,663-53.3% |
| Participant deferral / active EE | $18,584 | $8,429+120.5% | $8,071+130.3% | $6,691+177.8% |
| Admin fee / account holder | $620 | $15,050-95.9% | $13,005-95.2% | $13,402-95.4% |