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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 | $70,320 | $49,897+40.9% | $80,648-12.8% | $75,177-6.5% |
| Participation rate | 68.2% | 55.3%+12.8pp | 67.0%+1.2pp | 67.2%+1.0pp |
| Annual return | 53.30% | 34.68%+18.6pp | 937.21%-883.9pp | 160.75%-107.4pp |
| Employer contribution / active EE | $4,161 | $1,699+144.9% | $2,724+52.8% | $2,671+55.8% |
| Participant deferral / active EE | $9,309 | $2,992+211.1% | $4,443+109.5% | $4,126+125.6% |
| Admin fee / account holder | $1,097 | $3,579-69.3% | $5,382-79.6% | $5,651-80.6% |