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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 | $178,827 | $202,463-11.7% | $169,397+5.6% | $139,487+28.2% |
| Participation rate | 60.0% | 81.1%-21.1pp | 77.2%-17.2pp | 80.3%-20.3pp |
| Annual return | 24.66% | 532.64%-508.0pp | 406.23%-381.6pp | 373.84%-349.2pp |
| Employer contribution / active EE | $11,912 | $4,694+153.8% | $4,013+196.8% | $4,755+150.5% |
| Participant deferral / active EE | $5,580 | $6,941-19.6% | $6,223-10.3% | $6,713-16.9% |
| Admin fee / account holder | $1,340 | $10,726-87.5% | $9,017-85.1% | $11,407-88.3% |