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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 | $212,912 | $114,130+86.6% | $96,192+121.3% | $167,553+27.1% |
| Participation rate | 62.5% | 75.1%-12.6pp | 68.4%-5.9pp | 82.1%-19.6pp |
| Annual return | 15.45% | 190.07%-174.6pp | 192.09%-176.6pp | 478.89%-463.4pp |
| Employer contribution / active EE | $2,948 | $3,431-14.1% | $2,799+5.3% | $4,840-39.1% |
| Participant deferral / active EE | $7,638 | $5,198+46.9% | $4,351+75.5% | $6,343+20.4% |
| Admin fee / account holder | $1,337 | $6,901-80.6% | $5,539-75.9% | $12,316-89.1% |