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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 | $239,174 | $176,105+35.8% | $159,474+50.0% | $167,536+42.8% |
| Participation rate | 60.0% | 85.0%-25.0pp | 82.8%-22.8pp | 82.1%-22.1pp |
| Annual return | 10.54% | 331.91%-321.4pp | 263.68%-253.1pp | 478.82%-468.3pp |
| Employer contribution / active EE | $2,210 | $5,299-58.3% | $4,831-54.3% | $4,839-54.3% |
| Participant deferral / active EE | $8,343 | $7,751+7.6% | $7,353+13.5% | $6,342+31.5% |
| Admin fee / account holder | $5,583 | $12,559-55.5% | $10,802-48.3% | $12,315-54.7% |