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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 | $145,173 | $150,435-3.5% | $120,580+20.4% | $145,897-0.5% |
| Participation rate | 66.7% | 78.8%-12.1pp | 72.0%-5.3pp | 80.3%-13.6pp |
| Annual return | 34.19% | 154.60%-120.4pp | 107.48%-73.3pp | 552.29%-518.1pp |
| Employer contribution / active EE | $15,578 | $4,352+257.9% | $3,469+349.0% | $4,663+234.1% |
| Participant deferral / active EE | $15,333 | $6,174+148.4% | $4,995+206.9% | $6,689+129.2% |
| Admin fee / account holder | $1,846 | $12,182-84.9% | $9,418-80.4% | $13,390-86.2% |