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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 | $216,067 | $111,787+93.3% | $93,681+130.6% | $145,978+48.0% |
| Participation rate | 54.5% | 74.2%-19.7pp | 68.7%-14.2pp | 80.3%-25.7pp |
| Annual return | 61.96% | 203.52%-141.6pp | 133.47%-71.5pp | 550.52%-488.6pp |
| Employer contribution / active EE | $0 | $3,093-100.0% | $2,422-100.0% | $4,662-100.0% |
| Participant deferral / active EE | $6,810 | $4,918+38.5% | $4,415+54.2% | $6,690+1.8% |
| Admin fee / account holder | $10,069 | $10,256-1.8% | $8,290+21.5% | $13,400-24.9% |