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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 | $249,395 | $166,242+50.0% | $165,071+51.1% | $145,884+71.0% |
| Participation rate | 66.7% | 82.0%-15.4pp | 78.6%-12.0pp | 80.3%-13.6pp |
| Annual return | 11.90% | 100.44%-88.5pp | 70.17%-58.3pp | 551.85%-540.0pp |
| Employer contribution / active EE | $10,481 | $5,283+98.4% | $4,347+141.1% | $4,662+124.8% |
| Participant deferral / active EE | $4,538 | $6,964-34.8% | $6,035-24.8% | $6,690-32.2% |
| Admin fee / account holder | $6,429 | $16,658-61.4% | $12,695-49.4% | $13,392-52.0% |