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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 | $154,051 | $175,259-12.1% | $149,723+2.9% | $139,487+10.4% |
| Participation rate | 33.3% | 83.4%-50.1pp | 78.8%-45.4pp | 80.3%-47.0pp |
| Annual return | 211.91% | 166.82%+45.1pp | 134.50%+77.4pp | 373.84%-161.9pp |
| Employer contribution / active EE | $10,315 | $5,478+88.3% | $4,821+113.9% | $4,755+116.9% |
| Participant deferral / active EE | $7,412 | $6,522+13.6% | $5,682+30.4% | $6,713+10.4% |
| Admin fee / account holder | $1,271 | $16,158-92.1% | $13,215-90.4% | $11,407-88.9% |