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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 | $216,946 | $96,419+125.0% | $80,648+169.0% | $139,487+55.5% |
| Participation rate | 68.2% | 73.6%-5.5pp | 67.0%+1.2pp | 80.3%-12.2pp |
| Annual return | 20.11% | 1352.86%-1332.8pp | 937.21%-917.1pp | 373.84%-353.7pp |
| Employer contribution / active EE | $3,584 | $3,261+9.9% | $2,724+31.6% | $4,755-24.6% |
| Participant deferral / active EE | $8,954 | $5,225+71.4% | $4,443+101.5% | $6,713+33.4% |
| Admin fee / account holder | $24,691 | $6,605+273.8% | $5,382+358.8% | $11,407+116.4% |