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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 | $160,028+56.0% | $147,080+69.7% | $145,884+71.1% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 15.59% | 98.60%-83.0pp | 420.17%-404.6pp | 551.85%-536.3pp |
| Employer contribution / active EE | $6,411 | $5,286+21.3% | $4,933+29.9% | $4,662+37.5% |
| Participant deferral / active EE | $11,700 | $8,422+38.9% | $8,066+45.0% | $6,690+74.9% |
| Admin fee / account holder | $11,962 | $15,030-20.4% | $12,989-7.9% | $13,392-10.7% |