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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 | $237,125 | $180,749+31.2% | $160,784+47.5% | $137,256+72.8% |
| Participation rate | 66.7% | 80.0%-13.3pp | 77.0%-10.3pp | 80.0%-13.3pp |
| Annual return | 17.48% | 2234.46%-2217.0pp | 1803.92%-1786.4pp | 220.34%-202.9pp |
| Employer contribution / active EE | $2,356 | $4,155-43.3% | $3,733-36.9% | $4,156-43.3% |
| Participant deferral / active EE | $20,667 | $6,844+202.0% | $6,293+228.4% | $6,407+222.6% |
| Admin fee / account holder | $2,093 | $10,397-79.9% | $9,717-78.5% | $12,270-82.9% |