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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 | $217,785 | $108,911+100.0% | $100,392+116.9% | $145,884+49.3% |
| Participation rate | 66.7% | 83.0%-16.3pp | 81.5%-14.8pp | 80.3%-13.6pp |
| Annual return | 11.55% | 58.23%-46.7pp | 49.45%-37.9pp | 551.85%-540.3pp |
| Employer contribution / active EE | $4,327 | $4,420-2.1% | $3,941+9.8% | $4,662-7.2% |
| Participant deferral / active EE | $18,099 | $8,459+114.0% | $8,090+123.7% | $6,690+170.5% |
| Admin fee / account holder | $129,208 | $9,698+1232.3% | $7,904+1534.7% | $13,392+864.8% |