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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 | $186,848 | $102,663+82.0% | $86,216+116.7% | $139,466+34.0% |
| Participation rate | 66.7% | 74.5%-7.8pp | 69.0%-2.3pp | 80.3%-13.7pp |
| Annual return | 14.10% | 1924.52%-1910.4pp | 1169.42%-1155.3pp | 373.66%-359.6pp |
| Employer contribution / active EE | $2,761 | $3,035-9.0% | $2,382+15.9% | $4,754-41.9% |
| Participant deferral / active EE | $5,301 | $4,677+13.3% | $3,986+33.0% | $6,712-21.0% |
| Admin fee / account holder | $3,342 | $8,663-61.4% | $6,853-51.2% | $11,409-70.7% |