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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 | $227,285 | $209,888+8.3% | $189,545+19.9% | $167,553+35.6% |
| Participation rate | 50.0% | 88.7%-38.7pp | 87.8%-37.8pp | 82.1%-32.1pp |
| Annual return | 20.29% | 748.66%-728.4pp | 555.36%-535.1pp | 478.89%-458.6pp |
| Employer contribution / active EE | $10,781 | $6,915+55.9% | $6,162+75.0% | $4,840+122.8% |
| Participant deferral / active EE | $38,022 | $8,934+325.6% | $8,220+362.5% | $6,343+499.5% |
| Admin fee / account holder | $5,964 | $14,300-58.3% | $12,049-50.5% | $12,316-51.6% |