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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 | $249,667 | $160,040+56.0% | $147,096+69.7% | $145,877+71.1% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 15.59% | 98.49%-82.9pp | 419.75%-404.2pp | 551.28%-535.7pp |
| Employer contribution / active EE | $6,411 | $5,289+21.2% | $4,936+29.9% | $4,663+37.5% |
| Participant deferral / active EE | $11,700 | $8,429+38.8% | $8,071+45.0% | $6,691+74.9% |
| Admin fee / account holder | $11,962 | $15,050-20.5% | $13,005-8.0% | $13,402-10.7% |