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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 | $234,262 | $180,749+29.6% | $160,784+45.7% | $137,256+70.7% |
| Participation rate | 14.3% | 80.0%-65.7pp | 77.0%-62.7pp | 80.0%-65.7pp |
| Annual return | 14.61% | 2234.46%-2219.9pp | 1803.92%-1789.3pp | 220.34%-205.7pp |
| Employer contribution / active EE | $2,206 | $4,155-46.9% | $3,733-40.9% | $4,156-46.9% |
| Participant deferral / active EE | $3,689 | $6,844-46.1% | $6,293-41.4% | $6,407-42.4% |
| Admin fee / account holder | $2,434 | $10,397-76.6% | $9,717-75.0% | $12,270-80.2% |