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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 | $95,667 | $88,815+7.7% | $81,882+16.8% | $145,897-34.4% |
| Participation rate | 66.7% | 75.1%-8.4pp | 72.4%-5.7pp | 80.3%-13.6pp |
| Annual return | 17.34% | 1033.75%-1016.4pp | 779.47%-762.1pp | 552.29%-535.0pp |
| Employer contribution / active EE | $3,462 | $3,086+12.2% | $2,916+18.7% | $4,663-25.7% |
| Participant deferral / active EE | $6,421 | $4,647+38.2% | $4,323+48.5% | $6,689-4.0% |
| Admin fee / account holder | $7,860 | $8,434-6.8% | $7,360+6.8% | $13,390-41.3% |