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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 | $219,051 | $202,342+8.3% | $172,752+26.8% | $152,897+43.3% |
| Participation rate | 63.6% | 87.1%-23.4pp | 82.6%-19.0pp | 82.5%-18.8pp |
| Annual return | 21.51% | 1029.83%-1008.3pp | 802.97%-781.5pp | 345.43%-323.9pp |
| Employer contribution / active EE | $5,320 | $5,858-9.2% | $5,144+3.4% | $4,764+11.7% |
| Participant deferral / active EE | $3,318 | $5,948-44.2% | $5,198-36.2% | $5,851-43.3% |
| Admin fee / account holder | $780 | $17,111-95.4% | $13,955-94.4% | $11,599-93.3% |