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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 | $162,860 | $160,040+1.8% | $147,096+10.7% | $145,877+11.6% |
| Participation rate | 50.0% | 84.0%-34.0pp | 82.2%-32.2pp | 80.3%-30.3pp |
| Annual return | 116.54% | 98.49%+18.0pp | 419.75%-303.2pp | 551.28%-434.7pp |
| Employer contribution / active EE | $7,194 | $5,289+36.0% | $4,936+45.7% | $4,663+54.3% |
| Participant deferral / active EE | $11,341 | $8,429+34.5% | $8,071+40.5% | $6,691+69.5% |
| Admin fee / account holder | $1,149 | $15,050-92.4% | $13,005-91.2% | $13,402-91.4% |