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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 | $209,287 | $160,070+30.7% | $147,117+42.3% | $145,897+43.4% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 14.80% | 98.69%-83.9pp | 420.54%-405.7pp | 552.29%-537.5pp |
| Employer contribution / active EE | $2,291 | $5,285-56.6% | $4,932-53.5% | $4,663-50.9% |
| Participant deferral / active EE | $8,938 | $8,419+6.2% | $8,065+10.8% | $6,689+33.6% |
| Admin fee / account holder | $909 | $15,035-94.0% | $12,993-93.0% | $13,390-93.2% |