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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 | $137,278 | $112,131+22.4% | $95,964+43.1% | $158,982-13.7% |
| Participation rate | 65.2% | 79.0%-13.8pp | 77.1%-11.9pp | 82.0%-16.7pp |
| Annual return | 18.02% | 171.19%-153.2pp | 91.64%-73.6pp | 302.99%-285.0pp |
| Employer contribution / active EE | $7,474 | $3,199+133.6% | $2,541+194.1% | $4,763+56.9% |
| Participant deferral / active EE | $4,647 | $4,784-2.9% | $4,167+11.5% | $5,983-22.3% |
| Admin fee / account holder | $2,728 | $10,136-73.1% | $6,797-59.9% | $11,252-75.8% |