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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 | $249,199 | $176,120+41.5% | $159,487+56.2% | $167,553+48.7% |
| Participation rate | 66.7% | 85.0%-18.3pp | 82.8%-16.2pp | 82.1%-15.4pp |
| Annual return | 9.99% | 331.95%-322.0pp | 263.71%-253.7pp | 478.89%-468.9pp |
| Employer contribution / active EE | $6,307 | $5,299+19.0% | $4,831+30.5% | $4,840+30.3% |
| Participant deferral / active EE | $9,489 | $7,752+22.4% | $7,354+29.0% | $6,343+49.6% |
| Admin fee / account holder | $27,748 | $12,561+120.9% | $10,804+156.8% | $12,316+125.3% |