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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 | $163,940 | $160,070+2.4% | $147,117+11.4% | $145,897+12.4% |
| Participation rate | 63.6% | 84.0%-20.4pp | 82.2%-18.5pp | 80.3%-16.7pp |
| Annual return | 11.42% | 98.69%-87.3pp | 420.54%-409.1pp | 552.29%-540.9pp |
| Employer contribution / active EE | $3,019 | $5,285-42.9% | $4,932-38.8% | $4,663-35.2% |
| Participant deferral / active EE | $8,393 | $8,419-0.3% | $8,065+4.1% | $6,689+25.5% |
| Admin fee / account holder | $6,617 | $15,035-56.0% | $12,993-49.1% | $13,390-50.6% |