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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 | $121,087 | $96,388+25.6% | $80,627+50.2% | $139,466-13.2% |
| Participation rate | 69.2% | 73.6%-4.4pp | 67.0%+2.2pp | 80.3%-11.1pp |
| Annual return | 15.89% | 1352.08%-1336.2pp | 936.76%-920.9pp | 373.66%-357.8pp |
| Employer contribution / active EE | $9,009 | $3,260+176.4% | $2,723+230.9% | $4,754+89.5% |
| Participant deferral / active EE | $2,584 | $5,224-50.5% | $4,443-41.8% | $6,712-61.5% |
| Admin fee / account holder | $1,260 | $6,603-80.9% | $5,381-76.6% | $11,409-89.0% |