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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 | $88,710+7.8% | $81,783+17.0% | $145,959-34.5% |
| Participation rate | 66.7% | 75.0%-8.4pp | 72.4%-5.7pp | 80.3%-13.6pp |
| Annual return | 17.34% | 1027.26%-1009.9pp | 775.05%-757.7pp | 561.95%-544.6pp |
| Employer contribution / active EE | $3,462 | $3,083+12.3% | $2,913+18.9% | $4,661-25.7% |
| Participant deferral / active EE | $6,421 | $4,645+38.2% | $4,320+48.6% | $6,689-4.0% |
| Admin fee / account holder | $7,860 | $8,407-6.5% | $7,380+6.5% | $13,398-41.3% |