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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 | $231,992 | $160,040+45.0% | $147,096+57.7% | $145,877+59.0% |
| Participation rate | 66.7% | 84.0%-17.4pp | 82.2%-15.5pp | 80.3%-13.6pp |
| Annual return | 13.53% | 98.49%-85.0pp | 419.75%-406.2pp | 551.28%-537.8pp |
| Employer contribution / active EE | $8,636 | $5,289+63.3% | $4,936+75.0% | $4,663+85.2% |
| Participant deferral / active EE | $8,917 | $8,429+5.8% | $8,071+10.5% | $6,691+33.3% |
| Admin fee / account holder | $13,460 | $15,050-10.6% | $13,005+3.5% | $13,402+0.4% |