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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 | $202,248 | $114,093+77.3% | $96,171+110.3% | $167,536+20.7% |
| Participation rate | 60.0% | 75.1%-15.1pp | 68.4%-8.4pp | 82.1%-22.1pp |
| Annual return | 12.66% | 190.00%-177.3pp | 192.04%-179.4pp | 478.82%-466.2pp |
| Employer contribution / active EE | $3,919 | $3,429+14.3% | $2,799+40.0% | $4,839-19.0% |
| Participant deferral / active EE | $11,486 | $5,197+121.0% | $4,350+164.0% | $6,342+81.1% |
| Admin fee / account holder | $1,790 | $6,899-74.1% | $5,538-67.7% | $12,315-85.5% |